BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Continental Finance Company, LLC
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the last XXXX weeks I get an email saying I need to make a payment when I made a payment on XX/XX/2023. They pulled the money for said payment XX/XX/2023. This is after they claim it takes 3 days to take the payment. They are trying to force the late fee and returned check fee and God knows what other fees to be paid immediately. I made a {$50.00} payment ; from the money that was in the account from the beginning of XXXX ; and it was confirmed paid and that left it at {$120.00} left to pay according to their system. Returned check fee is I think {$39.00} and late fee is {$29.00}. When those two are added, they do not add up to {$120.00}. Even when XXXX  add in the payment I made, they do not add up to {$170.00} like they wanted.

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 2023-07-19
Company: EQUIFAX, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: FIRST GUARANTY MORTGAGE CORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we started the process XX/XX/2019 and it is now XX/XX/2019 they continued to ask for thing needed every couple of weeks and did a bad job of communication with me though the whole process i have put XXXX dollars into it plus tried to pay my bills on time. i have been passed from person to person with no end in sight and now i have fallen behind on my mortgage payment because of this and they are telling me that there is nothing they can do even though i have done every thing they have asked. i am willing to provide all communication i have had with them if need but something should be done before it happens to anyone else.

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 2023-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that may compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I spoke to numerous people in different departments and the only one that was very helpful was A man named XXXX in the Re-entry Department. He was very helpful but then days later, I called back and I have been getting the run around and No one wants to help me. I am trying to save my home. Please have this resolved before my home is foreclosed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Wakpamni Lake Community Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was at work today and my employer notified me they had received a fax from a company calling themselves Apex Servicing of Utah representing themselves as XXXX XXXX. The fax stated I had agreed in a court order to repay a loan to this company. I have never been to court on this matter and I am unfamiliar with the associated charges and actions. Therefore that brought up red flags. I did a quick search online for the company and discovered it was tied to several fraudulent related claims by consumers including claims of fraud from the XXXX XXXX XXXXXXXX XXXX XXXX and uses this tactic of false court proceedings as a tactic to trick employers into providing payroll deduction on unsuspecting employees. I attempted to contact the company at the number on the fax XXXX and was asked for personnel information such as social security number and date of birth which I refused to provide. I did not ask for case details but rather asked was the business licensed to operate in Alabama and what was their state licensing number with the XXXX XXXX XXXX XXXX XXXX? I asked this on repeated occasions in a call that they state was recorded. The operator on the other end stated she could not provide me that information and that they were a tribally licensed company. The company would not provide me any information and has falsely used the court system as a pun to try to steal wages through a false wage garnishment. This action seems fraudulent and illegal and I feel reporting it to the FTC since it appears this company is hiding behind tribal law was the best measure. A search of the company also revealed the following similar instance with a filed complaint XX/XX/2020 : Complaint received, file # XXXX. This company appears to be an illegal operation and trying to hide behind tribal law as a way to justify its fraudulent actions.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report XXXX XXXX XXXX inquiries XXXX XXXX inquiries Equifax XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On Friday, XXXX, XXXX, I went to XXXX and purchased 2 gift cards for my grandchildren for {$25.00} each. I inserted my CitiMC doublecash card into the machine. I had a XXXX promotional offer of {$10.00} off my bill and when I saw the {$10.00} come up I thought that was what it was for. I was wearing a mask and my vision is not wonderful on the small screen and I thought I was using the {$10.00} XXXX credit. When I went home and checked the CitiMC online account, I saw that they took XXXX off my rewards ( the equivalent of {$12.00} ) and gave me a {$10.00} credit off the XXXX  bill. 
I called up the company Monday, XX/XX/XXXX when they were open to ask them to reverse the points back and take off the {$10.00} credit ( XXXX XXXX XXXX ). I spoke to XXXX. She said she couldn't change anything. I asked for a supervisor and spoke to " XXXX ''. He said the new plan from CitiMC was a 'benefit ' ( not to me as a customer... it benefits Citibank XXXX. He said the best he could do would be to give me a one time XXXX point refund. I said I wanted the full amount reversed and to be charge the {$10.00} for the credit from XXXX. He wouldn't and said he'd send me to a supervisor. After XXXX minutes, the phone was hung up and CitiMC DoubleCash was done with me. 
I feel that this bank is taking advantage of people. If you use the points for a credit on your statement, you get the full amount. If you use it in a store, they charge you and waste my time looking at a screen instead of just buying something. 
I would like the charge of {$10.00} reversed and the XXXX points put back on my rewards ( the {$12.00} equivalent that they charged me ). I don't think CitiBank should be even allowed to do this with XXXX and XXXX as they want now. Consumers are hurt. The bank makes money. It's more red tape for the consumer. We need help with rewards that make money for us, not for other businesses. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-05-31
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Does reported are incorrect, dates the credit card was opened and closed incorrect and balance incorrect. as well as status of the credit card.

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 2022-12-09
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: Old information reappears or never goes away

Complaint:
This information is ruined my life and Is affecting my family I am not able to buy e home from long time because of this issue

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am currently unable to access my Equifax credit report. 

I have been using XXXX credit monitoring service for a few years and was notified that my Equifax data could no longer be accessed. I validated that my report was inaccessible by attempting to pull it using the free annual credit report, purchasing from Equifax, XXXX XXXX and other services. I am also unable to lock, freeze or dispute information on my report. 

There has been over 20 attempts since XX/XX/XXXX to rectify with Equifax who's agents either transfer me back into the que or simply hang up. I have attempted to purchase my report from Equifax to no avail 15 times now. 

My lenders are unable to access the report as well and it is preventing me from closing on my mortgage. My closing date has now been delayed from XX/XX/XXXX to XX/XX/XXXX while we await remedy from Equifax who is not actively trying to fix the issue. 

To date no agents I have spoke to have been able or willing to assist or open a trouble ticket with their IT departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Professional Bureau of Collections Maryland , Inc. 
Phone # XXXX This company contacted my workplace yesterday ( XX/XX/2019 ) and asked to verify my employment, along with other personal information. The receptionist did not answer their questions. 

I have NEVER heard of this company and they have not directly contacted me in any sort of way so I assume this must be a scam. I also looked up the phone number and it was nothing but people commenting on it being a scam. 

I called the number back later last night and they asked me to confirm the last four of my social security number. I let them know that I did not feel comfortable giving that information out to an agency I've never heard of before. She then asked me to confirm my billing address. Again, I told her that I didn't feel comfortable giving that out and asked if she could provide the street number they had on file for me to make sure it was legitimate. She couldn't give me that information so I immediately hung up out of fear of this being a scammer. 

Is there any way to look into this? If I owe debt, I'd like to take care of it. But I don't think this is legitimate or real in any way.. I appreciate your help. This is such a scary feeling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Windham Professionals, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.

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 2023-05-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: Mr. Cooper Group Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mr. Cooper ( formerly Nationstar ) did not provide 15 days notice before transferring the servicing of the loan to XXXX XXXX XXXX XXXX XXXX . Prior to this they made false claims regarding our payment history and refused to provide information in relation to a making home affordable loan modification. A qualified written request was sent to them and delivered on XX/XX/XXXX, to address these issues. 

We have requested detailed information regarding the servicing of this loan since XX/XX/XXXX to the present to determine what the accurate principal balance should have been at the time of the transfer of servicing on XX/XX/XXXX, and what amount should be in the escrow account. Nationstar failed to respond to that QWR and we are notifying the new servicer of the existing problems with the servicing of the account. 

We have documentation to demonstrate the failure of Mr. Cooper to address our concerns regarding the application of payments to the proper accounts ( principal balance and escrow ).

Company response to consumer: Closed with explanation