BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My daughter gets benefits under my XXXX she gets her money put on a direct express card we did not use the card for several months. Somebody charged about {$2700.00} worth of merchandise and online merchants. When I contacted direct express I was told that they would put the funds back on my card within 24 hours and in that time will do an investigation. The funds was never credited to my daughters account. Call charges that were used on the credit card were in Florida and New Jersey. I have never been there or never been out of the state of California. I was sent out some form of papers I filled them out sent them back and a month later received a letter saying that there was no fraud on my account. When I called the fraud department of direct express I was told that the case was closed and there was no fraudulent activity. I asked to reopen the case they said no they said they would send me some papers on how they determined it was fraud the only thing they sent me back was the papers I filled out that I sent to them to open the fraud case.Ive tried many different resources as such as contacting the merchants they said I need to contact direct express Ive had no luck and Im out of resources I have all my paperwork all my letters all the work Ive done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago I had my identity stolen. Multiple lines of credits were made, and one was with XXXX XXXX. I called XXXX XXXX to tell them that this was not mine and we went through several steps and XXXX XXXX assured me that it was taken care of and I would not be charged for whatever was financed. THEN, after years of not hearing from them after the told me the took care of the debt, I get harassed my Midland Credit Management for the same debt. I do not owe this, it was not me that took out the credit. 

I will sue both companies for harassment and furthermore for attorney, legal fees, and mental anguish if this continues. 

The letter from MCM says the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, there was an unauthorized wire transaction from my Chase checking account to XXXX  XXXX XXXX account in the amount of {$25000.00}. I found this out after about 1-2 hours after the transaction was made. I saw XXXX emails of wire transfer cancelation and a third email to confirm that the wire transfer was successful. I called Chase right away to let them know that it was an unauthorized transaction and they told me that it will be taken care of and the money will be back in my account between 7-10 days. I also filed a police report and followed their instruction to file identity theft reports & froze my credit. 
After a week of not getting any updates from Chase, I called back to their fraud department and I was informed that the claim was not processed fully and there was no detailed info on it that they have to create this claim again. So I provided them again with all the information I had on this transaction and they gave me another 7-10 days to wait. They they denied this claim because they are categorizing this as a 'scam ' instead of 'fraud '. So they advised me to escalate this to their Wire Recall Service Team where they can review my case and possibly can do a courtesy wire recall. But this team is only available via Chase Secure Message Center so I have been going back and forth with them since beginning of XXXX until today because they are not providing any updates on my case. They are just providing phone numbers to call, which leads me back to their fraud team and can not help with my case. They they provide a number for their Treasury Service Team, I call and only automated message says 'leave message on chase secure message center ' then just hangs up my call. Now I'm just thrown between 2-3 different departments just saying to reach out to a different team and they are not asking me to get a Hold Harmless Letter from a Chase branch. I talked to my banker at my branch and she has no idea what this is. So I go back to my secure message on Chase app telling them what happened, this is their reply " USD Wire investigations team does not deal in issuing or providing hold harmless letter. Kindly reach out to a local Chase branch for further assistance. We close the case on our end. If you have any additional questions or wish for an update on the status, please respond to this message or call the XXXX XXXX XXXX XXXX XXXX  ( which just hangs up my call )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.

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 2021-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received email notice XX/XX/2021 with attached document. Address listed was one from nine years ago ( for my husband ) and mine was from over a year ago. 
We responded to the email XX/XX/2021 noting that we have tried to contact them with the provided phone numbers. Each number automatically disconnects when the caller follows the prompts to speak to representative or an operator. 
They responded with the same phone number. 
I responded XX/XX/2021 with another request to speak with a representative to resolve the issue. I received an email from another individaul with the same useless phone number. 
I have provided an updated address and called the following numbers within listed business hours with no success. Some numbers have been tried multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX I am trying to reach someone because I have concerns about the validity of this debt. I am unable to and am concerned this will put me at a extreme disadvanatge in the years to come.

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 2017-06-01
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 have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I or iginally sent 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitatio ns has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party company as  I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: LoanCare, LLC
State: AR
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: Problem with personal statement of dispute

Complaint:
I had a home loan with the lender Loancare/XXXX XXXX for 39 months and paid all payments on time. I was selling my home and called in XXXX to get the payoff statement sent to me so I could give it to my title/closing company. The lender told me not to pay the last payment as it would be rolled into the payoff statement and would not be marked as a late payment. When the payoff went through and credit reporting was done for the month the lender marked my final payment on the loan as 30 days late. The payment was technically 30 days late but I was told it would not be marked late as it would be rolled into the payoff statement. This is adversely affecting my credit score to where I can now not purchase a new home and is at very best a miscommunication and should be forgiven as a late payment since it was not a late payment due to inability or unwillingness/forgetting to pay. I did not pay the bill at the direction of the lender and therefore do not think this late should be on 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 2021-11-17
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the three bureaus to let them know they are reporting incorrect information to my report. I then sent a certified letter to the collection companies to ask them to prove the debt i have with them by signature, ssn, address between me and their company .NOT who they are reporting for. The company is Trans World System and the account is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Account status incorrect

Complaint:
Attached is proof of col lection ( s ) account ( s )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  , Please follow suit and delete these accounts. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not still be on my credit report. Here is a copy of   XXXX   XXXX   for findings and proof of their removal of these items. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me a updated as soon as your investigation is complete.

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 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has repeatedly changed my account for unnecessary fees. In  XXXX   XXXX , The account was accessed  XXXX  unlawful {$10.00} charges. In  XXXX   XXXX , I was accessed {$10.00} for multiple withdrawal charges. The bank separate the atm charge from the transaction to access this fee.   For the last months, different Bank representatives stated that a Manager would call about the  XXXX  fees. The manager call was never received. Lastly,  XXXX   XXXX  a {$5.00} charge was accessed to my account. I called customer service, the representative stated that it was a mistake. I have lost all confidence with this Bank.   On  XX/XX/XXXX , I called the bank. The representatives refused to forward my concerns to a Manager. I was told the account agreement bans from asking question abouts these fees. The representatives refused to provide the information to identify the workers. The last representative  (   XXXX  ;   XXXX    ) continued playing games and wasting time. I requested a Manager or the depart head, she stated " I 'm the supervisor, manager and department heading ''. The conduct of these representatives are totally unprofessional.     Bank of America has also refused to extend credit for  XXXX  credit cards. I 'm flabbergasted because my income and  credit score  (  XXXX  +  ) is at the  top statistical analysis for 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 2021-11-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Submitted a dispute with Experian via certified mail to update my personal information. I requested the incorrect information be removed due to my fear of identity theft. Requested that incorrect names /addresses be removed. Received my dispute results XX/XX/21. I don't agree with the results, I'm able to provide documentation to support my claims ( identity/ address ). Experian is still reporting incorrect info and refuses to update, I have contacted all my creditors and they have my correct personal info. Its correct on my statements.

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 2022-03-22
Company: EQUIFAX, 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:
Equifax has been served notice of intent to sue for ignoring over 30 disputes and not following the FCRA rules for many inaccuracies, and missing information. I have spent hours trying to talk to someone on the phone but they just pass me around. There's no one actually working on anything. What clown reopens disputes on things that have been disputed with no resolution more than 20 times? 
Equifax wrongly opened disputes this month in response to my letter of intent to sue, but still hasn't properly responded.. They have cost me thousands in the last 2 years of their intentional wrong doing. I am suing. CFPB please throw the book at them. This is unacceptable and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My Capital One Auto Fin acc # XXXX I finance a XXXX XXXX XXXX XXXX  on XX/XX/XXXX for XXXX with 16.31 % ARP for 78 months. As of XX/XX/XXXX I paid XXXX and the balance was XXXX. On XX/XX/XXXX my vehicle was flooded by hurricane XXXX in Nj. My insurance company declared it a total loss due to the extensive electrical damages. The insurance settlement was XXXX. Capital One Auto Finance took the entire settlement and expects me to continue making payments of the difference of XXXX as if I still have possession of the vehicle. During the settlement process I needed a vehicle so, I borrowed some money from a friend with the expectation of getting some money back from the settlement. I now have another vehicle and a new car note. I can not afford two car notes. In the letter Capital One Auto Fin sent me they made it appear as if I was in an automobile accident, which is not true. My vehicle was damaged due to a natural disaster. To date they have received XXXX in 36 months and are expecting me to continue until they get XXXX in less than 78 months. This is unfair, I am not rich therefore I can not pay them. I dont want my credit to be messed up because of this matter. Please Help Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
Hey on XXXX XXXX XXXX I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank 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 2021-11-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment on Wells Fargo credit card which showing as posted on WF site as XX/XX/XXXX. As of XX/XX/XXXX payment still does not reflect in available credit line. Made another payment that is showing on their site as received on XX/XX/XXXX. Was not not included in available credit until XXXX First payment was for {$10000.00} There was absolutely zero discourse during the payment process ( have screen shots ) that hold on an electronic payment can be up to 15 days. There is a warning that it can take up to 4 days to fully process the payment. The only solution they offered is to provide them copy of the bank statement showing that payment cleared our account. Both payments were made electronically. How is that possible that one of the largest bank in the US is not capable of knowing whether they got funds thru an ACH??? Our account information is a private matter. Wells Fargo has no need to request it since ACH was used. It is not the only card we have, but it is first time we are having that kind of problem. Having to verify an electronic payment that came from another major US bank in order to release an access to the credit line.

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