BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?

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 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My Social Security number is not listed on Experian and I have address on file thats 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 2017-04-01
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of counterfeit fraud on my credit card. Barclay notified me of the suspicious transaction on XX/XX/XXXX the day it happened. I contacted them as soon as i could and confirmed the charge in question was indeed fraud. After wait more than 2 weeks for the fraud charges to be credited to my account, I sent them an email questioning the status of account ( see copy of email in attachment ), and they responded that my issue has been escalated and will be diligently working to resolve it. After waiting another 3+ weeks, and nothing happened I contacted them for a 3rd time, this time by calling them. I finally got someone on the phone from the fraud department and he told me it would be handled right away, which I did receive credits on my account the next day. I just got a letter this week that was generically worded saying they resolved my fraud case and it is now closed. I assume this meant that it was in my favor, since I am the victim of fraud, but no, they put the fraud charge back on my account. I find it extremely frustrating and completely ridiculous that I will need to reach out to Barclay for a fourth time to resolve an issue that I am a victim. I have also been making payments to cover the fraud charge because I do not trust this company to properly credit me any interest that I would have incurred because of their incompetence and failure to handle this simple situation.

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 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Updated case number XXXX. I have been writting letters to Trans unin credit reporting agency to remove inaccurate information from my credit file from company named XXXX with account number of XXXX. My request for removal has not been honored as a result negative information continues in my credit file. My request for deletion is based off of my rights under the Fair Credit Act, due to creditor not complying with written notification to validate claimed debt. I have requested that Transunion validate alleged debt by notice of original signed contract as stated I entered into binding me to obligation of debt. In addition I have requested for legal proof that alleged debt statue of limitation has not expired. As of today I have not received an justifiable reason from Trans union with reasoning of why negative information from XXXX remains in my credit file. I have requested from Trans union to provide me with method of verification and validation of debt in which to include creditor contact person and phone number who verified debt with credit reporting agency and as of now I have not gotten any response from Trans union.At this time I am asking for CFPB to investigate with Transunion of justifiable reason to continue to report negative information regarding XXXX into my credit file. I also would like Trans union to supply me with written notification of verification and validation of my original dispute to investigate statue of limitation on debt and copy of original contract.

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 2017-04-02
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I bought a {$400.00} prepaid Mastercard at XXXX in XX/XX/2017. When I got home, the card would not work so I called the prepaid company. They said that the card was flagged as fraudulent on XX/XX/2017, but they still allowed the sale to go through at XXXX. The card company offered to refund the gift card balance, but not the {$13.00} activation fee, even though the cards were never activated due to the fraud flag. They said that they have a policy to never refund activation fees, even better in cases like mine where a fraud flag prohibited activation. So now I have to wait 2 weeks for my {$400.00} refund AND the card company still earned {$13.00} off of my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information

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 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, PXXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF EF Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/TU/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collection account by the name of XXXX address XXXX XXXX, MD XXXX is listed on my account as opened and is a collection account that I have unknown knowledge about. I would like documentation of the account because I never dealt with a company by that name.

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 2016-11-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very upset and concerned with my bank Wells Fargo who refuses to help my wife and I on our financial delima. I 've been a loyal customer for 30 years and my past credit rating was excellent until just recently since my wife is no longer able to work. She has filed for XXXX which will take quite some time which does not help us right now which we need desperately. Our car is in repo status and we will not be able to make next months house payment due to XXXX that an XXXX has to remove from my mouth which is very costly. I only owe XXXX dollars to pay of my home and it is appraised by Wells Fargo for XXXX dollars. It is beyond me why Wells Fargo is unwilling to let me access some of my equity to keep us from loosing our home and our car. I do n't understand why Wells Fargo will not help us since our credit has gone down hill recently. If they would just review my past credit history which I 'm sure that they have not, maybe then something could be resolved to get us the help we need. My name is XXXX XXXX XXXX. My email address is XXXXXXXXXXXX and my cell number is XXXX. Hopefully this complaint letter will make Wells Fargo see that they are in the wrong by treating a valued customer as myself and do the right thing and help us on this matter.So many times in the past my bank has helped me out and my question is when I need them most, why ca n't they help me now. 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 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX several times. I provided XXXX and Transunion with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.

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 2022-04-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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 received a settlement with this company. I paid in full. The company deleted me from thier system and did not give a title for my vehicle.

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 2022-04-17
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:
Dark pattern The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies dark pattern and selling my information

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 2022-04-17
Company: EQUIFAX, 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:
XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been advised to pay a high amount of loan payments per month that I ca n't possibly afford. I have also taken several forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card
Issue: Other

Complaint:
The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Earm LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone

Company response to consumer: Untimely response
Consumer complaint received 2016-06-01
Company: United Check Recovery, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-14
Company: Earm LLC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting threatening calls regarding a debt from XXXX. They called my place of work and left a message on my phone saying they were going to garnish my wagers and take me to court if I did n't call them right away. The message was left for my manager but I actually got the message. They 've also been harassing my family members. I do n't know where they got my information from but I want them to stop harassing me. The name that was given on the message for me to contact was XXXX XXXX but when I called back and asked for this person they did n't exist. I was given a case number of XXXX. I asked what company they were and what this was about. I was told the company name was MAC and they were calling regarding a pay day loan debt that I owed. She said I owed {$450.00} to some company called XXXX XXXX from 2011. I explained to the lady that I never took out a pay day loan with this company. I ask what was the official name and address of the company and she would not give it to me. She just started yelling at me as to why I wo n't pay my debt. She wanted me to give her my social security number so that she could verify that this was my debt and when I would n't give it to her she just became more irate. I told her to take what ever action they felt necessary and I would deal with them in court. She hung up the phone on me. This company has been harassing me for a month now. Calling me from several different numbers. 30 minutes after that call I received a call from a XXXX XXXX from XXXX XXXX XXXX regarding the same thing but now the pay day company name and the amount has changed. Total scammers.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
In middle of XXXX 2016 someone committed fraud on my account. XXXX says that my card was XXXX swiped in XXXX for {$330.00}. I went through thr dispute process and was granted the money back. When the fraud occured, my address was to my XXXX in california. I had just moved to XXXX, or. I was told that i can not update my address until 30 days after fraud. I tried to forward mail from my XXXX, but the replacement card that they were sending can not be forwarded. So i called over and over again to customer service to find out how to get my address updated and my card sent to new address. They gave me a fax number to fax paperwork to, I have had U S Bank branch managers send the info into the fax line amd received several confirmations that the fax was sent on multiple days, times and from different bank locations over the last 3 weeks. After 3 weeks of customer service telling me that they did not receive anything I demanded that they give me an alternate way of sending paperwork because their fax obviously does not work. They now gave me an email. I had the branch managers at the king city location send my paperwork multiple times and cardholder services still claims to have not gotten my paperwork. I have had different supervisors trying to find my information and nobody can. Supposedly the fax line is operational, and supposedly the email address is as well. If XXXX of these were operational, i should have receibed my new card by mail at least two weeks ago. Now i can not buy food for my pregnant wife, i can not buy prenatals for my XXXX wife, and i can not pay rent to keep a roof over the heads of my wife, XXXX month old son, and my new child on the way. I want my card, my money, and i want to be compensated for my losses and damages and pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.

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