BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: IL
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 am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls 2 to 5 times day both myself and my wife, and uses false pretenses for call, tries to hide intent by using false caller id tags such as XXXX. The debt is a medical bill from XXXX XXXX XXXX that was sent more than 15 months after procedure and was only contacted by medical service once. Service was received XX/XX/2021 and paid XXXX at time of Service was then billed XXXX on XXXX despite being told we would owe nothing more out of pocket

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling over 8 times a day from different phone numbers. Ive asked them to stop. Theyve called me after XXXX as well. This is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It was around 2013, I fell into financial hardship ; mainly divorce. I was trying to reconcile with Wells Fargo and in fact got current on my mortgage by applying a {$22000.00} + XXXX dollars towards it and did get a notification of becoming current ; however, within a couple of months, I began to falter on my loan and within weeks after that, began to receive notices of default and foreclosure on my property. I was forced to sell short losing over {$500000.00} invested into this property. I was given a {$5000.00} dollar buyout option with possible more to come after the purchase ; it did not happen. I had lost my {$920000.00} home after having paid into it over {$500000.00} including the down payment of {$220000.00} of my hard earned money. The short selling price was {$460000.00} ; a basement bargain. I felt like a failure. Wells Fargo Bank did not even try to help me stay in my home, they said they had sold my loan to investors and could not do anything about 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 2023-03-13
Company: EQUIFAX, INC.
State: IN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Carvana Group, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I brought a car online with carvana on XX/XX/2023 with a down-payment of XXXX dollars, carvana took out XXXX dollars out my account, they said they would return my XXXX after the 7 day money back guarantee, and 10 to 15 days in a check that will be sent to me.Thias will cause my checking account to over drawn, i have bills to now, i can not wait that long for money to come in a check, they need ach my XXXX dollars today, if carvana cause my account to be over-drawn they will be responsible for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2021-06-28
Company: International Computer Systems, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First Collection Services is aware that this alleged debt is the result of identity theft and still asked me to pay on this debt and still attempted to collect as well as report in my credit report. They have investigated this account and have not correspondent with me anymore. I have recently sent a cease and desist along with a notice stating I am disputing the validity of this debt on XX/XX/2021. XXXX XXXX of First Collection Services responded by stating they will no longer communicate except as allowed by law. But the law doesn't define specific communication just that if a consumer asked a debt collector to cease communication they must cease all communication. I also sent over that I am disputing this debt and that I was requesting an audit trail pursuant to federal rule which I did not receive. Because First Collection Services has ignored my right to dispute the validity of this debt I am asking the CFPB to step in and help enforce the law and my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called the phone numbers listed for these companies and inquires. I was told there was nothing they could do I would have to contact the credit bureaus. Credit bureaus tell me contact the creditors. I want these REMOVED ASAP!!! THEY ARE UNAUTHORIZED AND FRAUDULENT. The inquires are listed below with names and dates. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AXXXX 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 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 non-monetary relief
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got the call this afternoon, Friday, XX/XX/2019. 
It was a Robo-Call identifying me that I qualified for a favored rate on my Chase Card because of my good credit. 
I have been out of work for 1 1/2 months, and I am at my limit on my present ( non-Chase ) credit card How can I have credit that good. 
The number was XXXX I would like to make Chase Card Services aware that someone is using their name to run a potential scam! The robocall asked me to press a certain number in order to speak to a representative, which I did NOT DO!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a student loan with fedloan that was purchased by XXXX .But it shows on my credit report as me owing both parties when that is not the case. Im wanting fedloan removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX XXXX XXXX and XXXX XXXX If not all three XXXX is the first XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to purchase a used car. On the morning ( Eastern Time ) of XX/XX/XXXX the dealer informed us our credit report was blocked. After the Equifax security breach fiasco we used the Equifax block feature, so I went to the XXXX  website and clicked on unlock ( later the morning of XX/XX/XXXX ). This morning ( XX/XX/XXXX ) I called Equifax customer care at XXXX, I clarified I had seen the " Please allow 48 hours  to process your request '' notice ( see screenshot ), but was requesting they go ahead and remove the block so I could purchase the car today. 

We later checked with the dealer and they said our credit was still blocked, indicated no data was being provided. I called Equifax again to ask what was going on. The representative told me it would take 30 days, so I requested to speak with their manager. The manager confirmed credit was unblocked and in fact, saw the dealer had pulled my credit that morning. The manager suggested I pull my own credit, I did and indeed saw the dealer name with today 's date at the top of the inquiry list ( see screenshot - I partially obstructed the dealer name, because this shouldn't be their fault and don't want negative publicity as a result of this complaint ). 

I called back the dealer, they checked again and said no credit data was available. They also clarified they saw this issue a lot with other sales, it indeed takes several days for credit block to be " fully '' removed. The Equifax FQA section states the unblock should be near realtime ( see screenshot ). This a extremely frustrating process and I understood the credit bureaus were mandated by the government to make this process reasonably efficient for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
XXXX I called Experian spoke with XXXX in the consumer affairs department. To have student loans removed under Chapter 41 Title 15 UDC 1681b. Also have XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX Experian is violating and denying me of my federal protected rights and will not allow me to dispute.Nor have they provided me with the audit trail of how they verified these alleged debts.A direct violation of Title 15 USC1681 ( i )

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 2019-08-23
Company: National Collection Systems, Inc.
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 belongs to someone else

Complaint:
I am disputing an entry on my credit reports made by National Credit Management, who is collecting for XXXX XXXX for the amount of {$430.00}. I spoke to the XXXX 's XXXX at XXXX XXXX. They state my debt with the college was NEVER placed with National Credit Management and that I was eligible to pay my debt off through the college exclusively. 

I have made this payment directly to the college so that I can register for classes. The payment was made by VISA in the amount of {$340.00}, which is the ORIGINAL amount of the debt ( not {$430.00} like National Credit Management lists. 

I have disputed this entry on my credit reports for quite some time now and National Credit Management maintains they are collecting for XXXX XXXX. XXXX XXXX 's XXXX 's office has maintained this debt NEVER went into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: MN
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:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I filed a complaint on XX/XX/XXXX case number XXXX, XXXX XXXX XXXX, against USAA in reference to a money transfer from XXXX XXXX XXXX XXXX ( XXXX ). USAA responded back to you saying the money was going to be refunded back to XXXX, this was on XX/XX/XXXX. 
Ive attempted to contact USAA ( 16 ) different times and NO one has responded to my calls, Ive spoken to every assistant for the office of the CEO and NO return calls Ive left ( 9 ) messages for XXXX XXXX and XXXX XXXX and have not received one call back. The two listed above are the assigned investigators.

I have requested a written response from USAA on 8 different phone calls and 4 emails and have yet to receive a response I read that USAA was just fined for the same things? 
USAA submitted a response to the CFPB stating the money was to be returned to the XXXX? Was the response just to get CFPB to close the case? 
Does CFPB have and enforcement powers? Or is USAA aloud to get away with sending you a positive response and NOT following through with the customer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX Finance/Personal XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2020-02-13
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received several emails from the branch that I was approved for the loan. I have an existing loan with them that Ive been in good standings. I was told I was approved when can I come in to sign paperwork. I was never told that I needed to secure a loan. I received an email back in XXXX saying I was approved the offer was valid until XXXX. This is totally false advertisement. I have two jobs and I get so security XXXX. Then I called their corporate headquarters and talk to a girl this morning that was completely rude and nasty and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: OneMain Finance Corporation
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
OneMain Financial Group LLC Complaint XXXX Dear Sir or Madam : I paid off my balance with OneMain Financial Group LLC XXXX XXXX XXXX XXXX However, they never filed a release with the Registry of Motor Vehicles In MD.

I spent {$25.00} to get my title only to find out that they are holding a lien. 
XX/XX/XXXX I am on the phone with them, XXXX, and they said that they release the lien in XX/XX/XXXX. However, I am on the phone and they are not willing to send another release. They gave me another phone number XXXX, Customer Complaint line. She talked to the manager and I have to call that number. 
I get a message that they are not there -Executive Customer Care at One Main Office and I have to leave a message.

I left a message.

This is plain out a violation of the law wherein once a balance is paid they are to release the lien with the Registry of Motor Vehicle it is their job. I asked for another to be sent and I was told I had to go to the other office. 
This is a repeat of last year wherein I called XX/XX/XXXX to XX/XX/XXXX and asked for the lien to be removed from my XXXX XXXX. It took months. They should be held accountable and punished in addition to my loss of {$25.00}. But for their negligence and willingness to take care of this and not make me waste more time, I have to call another department. How many people do they do this too?? I also dont expect to call them for 3 months like I had to do last year. I want this resolved and mailed to the registry within 3 days. 




Again, I need a title without their XXXX and I need my Money back. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX MD XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
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: Information belongs to someone else

Complaint:
There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 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