BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: IL
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:
Dear Equifax, In the results of your Third investigation, you stated in writing that you verified that this item ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EQUIFAX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Upgrade, Inc.
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:
I lost my card and reported it to Upgrade, the agent according to a representative I spoke with after said the first agent filed the wrong claim. 

They filed a dispute for the transaction instead of reporting my card lost/stolen, that triggered Upgrade request documentation like receipts of proof of purchase that I didnt have because I never made the purchase I spoke with an agent and said I wouldnt need to forward documentation since my card was lost/stolen However Upgrade closed out the claim and is making me responsible for the charges I didnt make because I never responded to the claim and was advised not to since my card was lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This summer, my student loans were moved from XXXX moved to Mohela. On XX/XX/XXXX I applied to the new SAVE program, knowing that repayments were starting on XX/XX/XXXX. 

I have requested to have Paperless contact from Mohela, so all of my official letters from the company come through the online Inbox in their portal. 

On XX/XX/XXXX, I received a letter in my Inbox from Mohela that was backdated to XX/XX/XXXX, telling me that I had been approved for one month of Forbearance ( which is a standard practice when switching between IBR plans to the new SAVE plan ), and that my Forbearance period is from XX/XX/XXXX - XX/XX/XXXX. It stated that if I had not paid my {$5.00} Forbearance payment, that I needed to contact them by phone. I have not been able to find any information indicating that I did pay at the time of my application ( I don't think I was ever given an option to make that payment ). Mohela has had hours long wait times, and despite trying to contact them, I have not been able to get through. 

I also received a second letter in my Inbox on XX/XX/XXXX, backdated to XX/XX/XXXX, that stated that I had been approved for the SAVE plan, and giving my new SAVE payment amount. The letter also states that my SAVE payments would not start until my deferment period ends ( Per the Forbearance letter - after XX/XX/XXXX ). 

However, on the Mohela website, instead of showing that I am in Forbearance, it says that I owe my first payment towards the SAVE plan starting on XX/XX/XXXX. 

I received these two conflicting letters on the same day, and they gave me conflicting information about the status of my account, and about my payment amount. 

Additionally, because Mohela was so delayed in uploading my official letters into my Mohela Inbox, I did not receive ANY information about my repayment amount until XX/XX/XXXX, which was only one week before payments were due to restart on XX/XX/XXXX. This is not enough time to plan for something as big as student loan payments. It also has not been enough time to get in contact with a representative from Mohela to have my questions answered, particularly when each attempt to call requires hours of wait times, and when some of those calls end in disconnections or hangups before even being able to reach a representative. In fact, I have once again been sitting on hold with Mohela while filling out this complaint, and a complaint with the Department of Education. This current call wait time is one hour and counting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have banked with PNC for 2 years now, I don't really dispute anything unless I have too. Despite me being with PNC which I could have easily chose to do business with another bank but today is the last straw. I have maybe disputed 6 charges total out of my entire time with this bank and closed out 2 and it has been a terrible experience. I'm guessing the only time you are entitled to your money back if 1. unauthorized charges. or 2. didn't receive your merchandise and that's sad. clearly unsatisfied quality of merchandise don't count as a reason to dispute anything this bank has changed so much i should've closed my account a year ago when my account wasn't even secure when someone hacked into my bank account and stole my money and it took them 3 weeks to give me my money back after filing a complaint. and i'm just tired of it i will be no longer doing business with this bank. last but not least, they're customer service team have you waiting hours before someone answers the phone, and even hang up on you like a representative did me today on XX/XX/2021 from an PNC EXECUTIVE OFFICE and refused to answer the phone when i vented my frustration what is the point of banking with a bank that doesn't have your very best interest. it's ridiculous she hung up. I will also let everyone know about this bank so they can choose another bank..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Had a thief happen some years back things still pop up. There's so many things wrong on my report, Im not sure who it belongs to never got that far. Inquiries I have no idea how they are being generated but a lot of them have been reinserted on my report. Inquiries listed below are inaccurate, please help me deal with my discomforting situation. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX 8. XXXX XX/XX/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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called transunion XXXX XXXX cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the items from my 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 2021-10-21
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX Tower Loan called regarding payment during 10 day grace period. They call several times everyday and leave messages as this seems to be their protocol. I have not missed a payment on the loan. Although, I have been late and have paid the late fee every time. Tower Loans communication tactics are borderline harassment to the consumer and they KNOW IT! My grace period ends XX/XX/2021 as of which the total payment due will be paid. However, the lady clearly said in the recorded message how imperative it was for me to call before XXXX XXXX  on XX/XX/2021 and her direct tone was rude. I did call and asked why the calls during the grace period? She said that is a courtesy and that she can not know in the back of her mind when I am going to pay. 
I said okay I understand it is your protocol. She replied with yes exactly. Again her tone just ridiculous. She also said if I would call back the calls will stop. I said I will when I can. My complaint is these calls are absolutely not necessary and this company holds no integrity! 
Too add, I am not just talking a few calls either! Several!

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 2022-11-27
Company: BARCLAYS BANK DELAWARE
State: FL
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:
XXXX Barclays Essential Reward Mastercard from Barclay Statement period from XXXX card ending XXXX. As soon as I noticed the card missing I reported it missing and also found out a fraud had been committed on XXXX XXXX  as I reported that as well in the XXXX. of XXXX. I spoke to XXXX in the fraud dept. I spoke several times about this to no avail. The credit showed up on my next statement on card ending in XXXX however was not deducted from the bill. It was deducted from the next bill which I never received in the mail nor was it deducted. I asked many times about this error on their part. No one could gin=ve me an answer as I went on line and not only did they never credit the amount but also chaged me a late fee on disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: MIDFIRST BANK
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company has money from a check from my insurance company. The money is to repair my roof. The total cost of the roof replacement is approximately $ XXXX. The mortgage company has $ XXXX. The contract/estimate from repairing company states the need XXXX of the total repair cost ( $ XXXX ) to start the work. The mortgage company will not release XXXX cost to repair the roof. Meanwhile, my house is damaged more every time it rains since the repairs have not started. I have asked several times for them to provide XXXX of the total cost. The company only wants to release XXXX of the $ XXXX which is not what the contract requires. No one provides a response to me after I have made my requests.

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 2020-03-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company I have never heard of, " XXXX XXXX Wakefield and Associates '' reported a collections on my credit report, of an amount of {$690.00}. I did not even know this company existed until I looked at my credit report. I have never received a bill or anything from this company. I have no documents to provide you from this company. I have attempted to dispute this on XXXX XXXX. I believe this is fraudulent! This is taking a negative effect on my credit score and needs to be removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I never heard of Portfolio 's Recovery before XX/XX/XXXX when I came home to a notice taped to my door about a lawsuit in a place where everyone could see what is going on. They never sent anything by mail that I owed them a debt nor did they use a carrier service to deliver the summons, and lied to the court about this since I was working from home at the time. I have no knowledge of this debt and this company has failed to provide physical proof that I was the one who opened the account and without this proof, I am concerned that this company is trying to use a lawyer to pressure me into paying money that I do not owe. This includes statements that well under Arizona law, they do not need to show proof as to who opened the account yet when the account was opened, I was a Florida resident and was a Florida resident until XXXX. Also, under the US Constitution, the 4th Amendment to the bill of rights clearly states beyond a reasonable doubt. In this case I am looking for physical evidence that I was the one who opened the account such as pictures showing me opening the account or the signed original copies of the contract with my handwriting on it. Without this proof,, how do I not know I am a victim of a scam. Even more disturbing, the lawyer also did not state the law either. Now, I am receiving phone calls non-stop from this company and from multiple numbers to the point where it is interfering with my job. I am concerned someone falsely created the credit card statements, this company is running a scam, or someone had stolen my information in the past, which I am very certain one of the three is the case and they are trying to collect on money that I do not owe. This company also continues to disrespect me because they refuse to use my married name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2021-04-21
Company: Avant Holding Company, Inc.
State: RI
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:
i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I feel I have been involved in a fraudulent scam with Wells Fargo bank. I received a check for identity theft protection affinion for {$270.00} Going back further I dont remember having Wells Fargo before 2012 but recall being in trouble for check writing that I never had or did. 
I believe accounts and money was transferred in my name against my will without my knowledge

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 2022-11-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( Original Creditor : ) # XXXX has violated my rights. 

Account name : ( Original Creditor : ) # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$120.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report

Company response to consumer: Closed with explanation