BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
they Removed some of the inquiries not all ... I was told they would all be removed.

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 2015-07-02
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I awoke to text notifications that someone had used my Capital One Credit Card to attempt to charge two pairs of XXXX XXXX XXXX at XXXX XXXX tickets for a game two days later on two different websites for about {$1000.00} each pair. I've never been to XXXX XXXX or a XXXX game nor would I go, I live near XXXX. Capital One didn't authorize the second charge but did fulfill the first in spite of flagging both as suspicious. I called them immediately, was told not to worry, they would reverse the charge and send me a new card. I was assured that I was covered by their no liability fraud guarantee. A month later they sent me a letter insisting I had purchased the tickets after all because the ticket reseller ( XXXX XXXX ) claimed the hacker knew my phone number, email and address. Then Capital One reversed the credit to my account. I have to assume they chose to throw me under the bus because I pay off the card every month and they chose to drop me rather than fulfill their obligation because I wasn't making them enough money. I suspect they are doing this to others as well. I am wondering if the scammer got my card information through their XXXX data breach although obviously it is information any consumer has to input every time you buy something online. I have a freeze on my credit which is preventing unauthorized new accounts. Their fraud department refuses to be reasonable. Letters to management came back with one response insisting there was no evidence of fraud. I most certainly did not buy those tickets. Did I mention I live near XXXX? 
I would like them to fulfill their promise to protect my account from unauthorized charges, refund the {$950.00}, and I would like the issue to be investigated to see how many other consumers they have decided to abandon in the name of profit margins. This is the short version, I have letters and documents outlining the series of events and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account

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 2017-01-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.

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 2023-01-20
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ' XXXX XXXX XXXX XXXX XXXX, CA XXXX ' XXXX XXXX XXXX XXXX  CA 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 Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Balance : {$0.00} ' XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXXXXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXXXXXX  XXXX XXXX XXXX bankruptcy discharged Filed on XXXX XXXX XXXX  Reference number : XXXX Court : U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly asked Equifax for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Equifax states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Equifax and for what permissible purpose as well as all documentation Equifax received to give these companies access to my credit reports. I am also requesting the name of the person from Equifax that provided my reports to these companies. I need to see documentation on all inquires listed on my Equifax credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Equifax ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Equifax making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint.

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Equifax delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Equifax as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX  and my legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful

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 2022-01-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company continues to pay the incorrect property tax disbursement. They did this in XXXX and again in XXXX. I went through the process of trying to resolve and after several months was told the XXXX issue would be resolved with the overpayment credited back to my escrow account. They would not redo the escrow analysis which resulted in my monthly payment increasing. The overpayment was credited on XX/XX/XXXX as a mortgage payment in the amount of {$5600.00} but on XX/XX/XXXX a tax disbursement was incorrectly sent in the amount of {$5600.00} followed by a tax disbursement on XX/XX/XXXX for {$5700.00}. I've attempted to contact Ally numerous times to resolve this issue and ask they address this to prevent it from happening in the future given this error has occurred each year for life of loan. I get no responses or updates to my inquiries.

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 2017-09-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax was breached and all they are offering me is better fraud detection. My information can now be sold like an amenity. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to be a part of the Wells Fargo settlemdnt I had to hire a lawyer to a avoid foreclosure

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 2021-11-26
Company: Skopos Financial, LLC
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 is missing that should be on the report

Complaint:
XXXX, XXXX, XXXX are not updating my credit report from XX/XX/21 to XX/XX/21 for six months straight I made my payments before due date. I submitted disputes advising no update for XXXX XXXX XXXX XXXX XXXX XXXX. I also reached out to Skopo financial XXXX XXXX to do a update. I pay XXXX a month for XXXX to keep updates and submit disputes. They then put slash markings XXXX through XXXX which doesn't show that I been current and paid on time. This is XXXX if I had been 30 days on account they will ding me IMMEDIATELY. I NEED AN ATTY AT THIS POINT I'VE DONE EVERYTHING. Also my inquiry updates are off. I'll admit to having past bad habits w my credit. I've been working on my credit a year I feel like I'm being 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 2020-08-06
Company: Experian Information Solutions 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:
have not received anything from the experian or XXXX  within the 30 days.

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 2020-08-06
Company: EQUIFAX, INC.
State: SC
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:
SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE : *Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. * I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus. Equifax is the only CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to Equifax to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to XXXX, GA. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however Equifax continues to report these accounts, no other bureaus do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies Equifax and XXXX exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.

Company response to consumer: Closed with explanation