BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to transunion that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to trans union telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. 
transunionhas failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.

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 2020-04-27
Company: CITIBANK, N.A.
State: DE
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: Overcharged for something you did purchase with the card

Complaint:
I had planned to go to Georgia, from XX/XX/XXXX to XX/XX/XXXX. So I called today to the Hotel to cancel then to XXXX XXXX which whom I had booked my flight with. I was told it would be canceled but no refund back to my credit card. But instead I could obtain a credit for {$320.00} until XXXX. So I explained that I would not be traveling no time soon due to the ( covid19 ) issue explaining that I should obtain a full refund due to the pandemic. I was declined that opportunity so I decided to see exactly what could be done about this issue during this pandemic.

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 2020-03-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I was looking to rent an apartment online. I found this guy from a social media platform. I was supposed to get a studio apartment. He told me to send him an advance deposit because he might not be able to hold the apartment for me until the week I was free to come visit. I was in desperate need of an apartment and didnt want to lose that chance. So I sent him {$500.00} through my bank using XXXX on XX/XX/2020. Then as I was ready to visit the apartment, I contacted him and he told me he was busy and that I shouldnt be bothering him. So I asked what does that mean. He told me I was annoying and that he wont be renting his place to me anymore. Then I told him okay then can I get a refund for my money. He never responded after that. He blocked me and Ive no other way of contacting him. I called my bank right away, they opened an investigation, then closed it after couple of days because they do not see this as a scam. I dont know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is BMOHARRISBK balance {$1100.00} account # XXXX 30 days late on XX/XX/2022, and XXXXXXXX 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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.

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 2021-08-27
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There was not a box to list for Debt collectors that COME TO YOUR HOME WEEKLY AND SAY THEY ARE WITH THE COURT.

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Perfection Collection
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.

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 2020-10-24
Company: Experian Information Solutions 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:
I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 our home had caught on fire. We submitted a claim to our insurance provider the next day. They did their appraisal and sent a check. we did our research and selected a wonderful contractor. 

We had to send our check off to Mortgage company to get check endorsed. They use a company called XXXX. They keep making us jump through hoops, and provide a different excuse every time we call on why they haven't released funds. 
They are now trying to make our contractor get bonded for the job. The cost for a bond is more than the contractor would make on the job. 

We are now 3 months in and no work has been done on our home. 

When I pulled up XXXX 's reviews online, there are hundreds of reviews just like mine. 

PLEAS HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX  Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX  Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. 

I haven't had any contact with XXXX since the XXXX  Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On the XX/XX/2019, I bought an airline ticket [ Booking Reference No- XX/XX/XXXX ] from XXXX XXXX using my Bank of America Checking Account [ XXXX ] to fly out the next day. On getting to the airport the next day, I was told my bank had not approved the transaction and the temporary ticket issued was not valid for travel. It was an urgent travel, so I had to buy another ticket at the airport using another account which got approved instantly. 

I have since filed a dispute with BOA [ claim XXXX ] on XX/XX/19 and also contacted the merchant [ XXXX XXXX ] same day with several follow-up calls made for an update but for whatever reasons I keep getting the same response which is that they are looking into it. 

It has been over 3 months since the dispute was submitted and I will like CFPB to help retrieve my money back from XXXX XXXX. 

Thank you so much. Truly appreciate a swift response on this. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX EXPERIAN NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$680.00} account # XXXX 30 days late on XXXX 2022, 60 days on XXXX 2022, 90 days late on XX/XX/2022, and XXXXXXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This horrific fraud scheme first started end of XXXX I have been dealing with this dispute battle for almost 4 months. I lost in total of almost XXXX dollars. I have been trying to get footage from bank and to compare the footage they have with my face. I have called so many times and never have gotten a solution. I was a victim of fraud which also led to somebody dropping a fraudulent check on my account.. forging my signature. I have also informed them that my purse was stolen which I explained I lost my id, cards, I lost money! I got a police report as instructed to do and even wrote a letter. I have opened claims in total of 4 times after doing each step I was told. I have changed bank id, ordered new card and still no result. I was informed a woman who appeared to look similar to me was responsible for this mess. I called one more time and now the next step is simply legal help if I get granted access to footage from the cops. Please help! I am mentally drained from no help during this stressful process.I have been a loyal customer to Bank of America for almost 2 years! I just would like my Money back!!!!

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 2022-03-18
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a unfortunate event of COVID-19, We were granted 6 moths of forbearance from XX/XX/XXXX to XX/XX/XXXX, I was told by employee of ( XXXX XXXX XXXX ) after that i can submit doc to differed the un paid mortgage, in XXXX of XXXX i submitted the request and income verification but no answer, I calld them in XX/XX/XXXX as the status of my case, i was told they transfer the loan to new servicer ( XXXX XXXX ), i called the new servicer i was told it takes 2 months for them to get the documents from ( XXXX XXXX XXXX ) no answer for 3 months always losing or wanting more paper work, and since XXXX of XXXX they will not take my regular payments, I was told by XXXX XXXX they have NOD on the system and will not accept any payment, no NOD was recorded and i did not have any notice send to me by them, i asked them send me any document, they did not.i asked them what happened to package application for loo mitigation no answer from them just we just transfer you loan to new servicer, SN SERVICING CORP XXXX XX/XX/XXXX, I contacted SN serving corp they have assigned me to a case manager after several attempt finally got hold of her, I WAS TOLD WE ARE NOT PART OF ANY COVID PROGRAM YOU NEED TO PAY ALL THE MOMEY U OWE, They play a game than you owe alot and they would not help and they foreclose. 
I ASKED HER IF I SEND HER NEW PAPER WORK ( LOAN ) PACKAGE WILL THAT HELP?, I TRIED TO MAKE MY PAYMENT SINCE XX/XX/XXXX SHE REPLIED THAT WILL NOT HELP, YOU WILL LOSE YOUR 2 % FIX RATE FOR LIFE OF THE LOAN YOU have, AND YOU MAY GET4.75 % AND BIG DOWN PAYMENT.I asked her to send me loss mitigation on XXXX and today is XXXX, for past 10 days i tried to get hold of her leaving voice mail nothing is happening, I called today XXXX i was told she is in the office and as usual she was not in the office, another asset manager said she will e mail her and SHE WILL BE IN THE OFFICE MONDAY XXXX Am a veteran of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX, XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX This loan was fraud from inception 1 month mta with negative amortization i was employee of XXXX when this loan was made, in XXXX i know all about it. Me and my family are going throw bad time for thinking of what is going on, specially we are capable to make our payments .all i tried is to make my payment after XXXX  months of help with forbearance, I wish i never accepted that help. on behalf om me and my family greatly appreciate your attention .Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAP ONE AUTO balance {$19000.00} account # XXXX 30 days late on XX/XX/2022.

Company response to consumer: Closed with explanation