BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Wells Fargo will not report credit card account to all three bureaus. The company is only reporting to XXXX only.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly attempted to get this company to delete this fraudulent debt off my credit report. I have asked them to send me a copy of the original signed contract and they have failed to do so. By law they need to produce an original contract with my signature. This has gone on long enough If they dont delete I will hire a lawyer and sue them for this fraudulent depth. They have also lied about sending my some sort of fraud paper work. It has never been sent to me. I have filed a police report and took all the steps to get this off of my report. Delete this fraudulent charge off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: PACIFIC PREMIER BANCORP, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I wasnt Notified that my account was going to be close when they told me to send bank statement to prove that its my account and I never heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX promised to pay a debt to XXXX as a promotion in which you switch carriers and they pay out your contract and any equipment balance. Needless to say this didnt happen! XXXX has now reported a debt in collection to that is being shown on my credit report! This is an issue multiple consumers have had and I shouldve read reviews before believing what XXXX said. I did a complaint with XXXX and now Im having to wait 90 days for XXXX to send over the balance so that XXXX can honor their agreement! 90 Days!! XXXX said theyll honor their agreement but my monthly bill will go higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$750.00} and {$340.00}, in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agencies phone representatives hang up in my face if I do not acknowledge the debt, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency refuses to assist with a validation in efforts to run out the time to request validation. This agency should be fined and ashamed as I have seen this agency do this to multiple people violating the rights we have as debtors and limiting the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what could potentially be older, non-obligated debts.

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 2022-10-21
Company: EQUIFAX, INC.
State: WA
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:
In late XXXX I tried to apply for a credit card and my bank said my information with Equifax did not match my name or social security number. Somehow, the equifax report my bank pulled up showed all of my sister 's information instead of mine. I called equifax and the first thing I was told was to establish credit first and then they could fix it. I told them that the incorrect information on their end was preventing me from establishing credit. After repeating the same advice several times, eventually I was told me to send in pictures of my identity to verify and correct the incorrect information on my file. I sent my identification by fax in mid XXXX. 
A month later in XXXX, I received mail that the request failed because some information was illegible. They directed me to send it by mail to a po box . I called again to confirm this was the correct course of action, then I was told that my social and name didn't bring up any file with them and I was told again I needed to establish credit first. I talked in circles again on that issue until they said to send my information in again. This time I sent it in by mail. I waited for months and nothing changed and whenever I called about a status update on my dispute, I was told again that I had no account even though I had an a myequifax account with them that I logged into with my name and social security number and my bank said I had a file with the wrong information on it. 

I called twice today to get it sorted and the first time I was told I had no account until they pulled up the myequifax account I had, then I was told that I did have some account with them but no credit report and I needed to establish credit. I went to my bank to try to get help and called again. This time, my bank told them with me over the phone that they had done an inquiry on my file with my information and that everyone has a file and they should be able to find it. My bank called them out for the cyclical conversation about not having an account and said they were being deliberately unhelpful. We were escalated to a supervisor and she was even more unhelpful, telling me I should just try with XXXX and that I didn't have a file with them and that I needed to establish credit. Any time my bank tried to help with the conversation she would say she couldn't answer questions from a third party. My bank advised me that they were attempting to make me say I didn't have a report with them so they could end the conversation without helping me. Both the agent and the supervisor refused to give a full name so all I know was the agent was named XXXX and the supervisor was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a house and the closing date was XX/XX/XXXX. The mortgage had a {$620.00} loan origination charge to buy a quarter percent lower interest rate. There were so many errors, issues and problems with the closing documents ( far too many to detail here ) that delayed the closing. Because it caused so much extra work for my attorney and so much stress on me and additional costs in attorney fees, the mortgage banking consultant at FNB ( First National Bank ) XXXX XXXX ( NMLS # XXXX ) called me late in the day of the closing and told me that FNB will be refunding the {$620.00} loan origination charge because of all of the errors. He said it would not be a refund or check and that it would be a credit applied to my mortgage on the principle. Mr XXXX even said they would credit any interest that has accrued on {$620.00} since the closing. Ever since the XX/XX/XXXX closing, I have talked to, texted and emailed XXXX XXXX numerous times to check on the status of the credit and it still has not been credited to date as of XX/XX/XXXX. It's been almost a year since the closing and he will no longer call me back or respond to my texts or emails. He is very careful and cunning and makes sure to never put anything in writing and only responds verbally over the phone. Mr XXXX even stated to me over the phone that he is not making any money since my loan closed and said he doesn't want to spend any more time trying to resolve the {$620.00} credit for me because he has other mortgages he needs to take care of now. Mr XXXX has given me numerous dates over the past year of when the credit would be applied but all of those dates have come and gone with no credit. He told me numerous times that he is just waiting on a signature from a supervisor and the credit would be applied as soon as his boss XXXX XXXX signed it. The last time I spoke to Mr XXXX a few months ago he actually offered to give me a smaller credit of around {$200.00}. I have called their customer service department and spoke to numerous people including XXXX XXXX, a customer service specialist who told me that there was nothing she could do about it. I have asked to talk to XXXX XXXX and have left messages for him to call me back but have never received a call back. I believe that XXXX XXXX originally tried to resolve all of the closing issues by committing to the {$620.00} credit without supervisor approval and his supervisors will not sign off on it. I will be remortgaging my loan as soon as possible and will never do business again with First National Bank 's mortgage department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see attached. I got this recently from Equifax. I have no clue what they are referring to as they've dealt with my account before. The address is listed in their system therefore there shouldn't be any issues. I'm refusing to submit any additional information to them. I have no idea what this is even in reference to. If they're trying to stall or delay that will only add to the law suit I'm building up to against them. They need to explain why this was sent to me. I think they're trying to stall any efforts of my getting them to fix ANY mistakes they knowingly and willingly created! We all know they work for corporations not consumers, therefore they frequently make mistakes, refuse to correct them, lie about my disputes, extend the dates of last contact to prevent removal of an item in a timely manner and try to give creditors the impression I'm " cleaning '' up my credit. Basically I am but not for the reasons they lie about. They made mistakes and I want them corrected. I am not asking too much but I will if I am forced to go to court. Their choice, they either explain this garbage they sent or do what I asked them to do in the first place - fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted Transunion to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have been dealing with idthef, fraud and false information since XXXX and its getting worse. I report to FTC and XXXX. dHS as well and recently Attorney General of MA. 
My credit report is like looking at someone elses information. I only opened a checking XXXX in XXXX XXXX and XXXX and both were taken over and i now have XXXX  XXXX. XXXX had information and i learned frok an email I could get back into ( it happens a lot, cybersecurity, like XXXX XXXX emais and XXXX card transit card but no one does anything ( Companies XXXX XXXX XXXX Cards loans ) whats teally affecting my life is this California Residency showing up everywhere I never been or had an adress there. Also XXXX and XXXX data transfers. i cant get a job.. my name is being used even in Movers guide changing adress and dmv sent XXXX duplicate Liscence to XXXX fake adress. Everything electronic I am not comfortable I like mail only at XXXX XXXX XXXX XXXX XXXX ma XXXX. It just goes back to XXXX XXXX XXXX XXXX XXXX pa XXXX and a California adress in which i saw papers when aplying for XXXX XXXX. They had california insurance in my name XXXX took off. California is everywhere and I write to every web for help and XXXX XXXX is helping me. Also new social sec and last name change is an offer. I cant have my own wireless plan and number because XXXX let someone use my identity 3 times. XX/XX/XXXX through XX/XX/XXXX when XXXX bill went to collections and XXXX XXXX I pay in which i am still under my fathers Account with XXXX. XXXX data breach, XXXX, XXXX  XXXX. XXXX, companies .. loans home loans

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 2020-02-04
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a solicitation for Freedom Debt Relief, XXXX XXXX who represented himself as a loan officer for the company. After several very long phones calls on how the program worked and after I asked all the right questions, specifically if I would have to pay taxes on the forgiven debt, I decided to proceed with the company. Then I realized that I had been lied to and the program misrepresented to me only after I was too deep into the program to get out. Here are the misrepresentations Mr. XXXX told me. 

1 ) Would I have to pay taxes on the forgiven debt? I asked this question numerous times.

His response - " I have been doing this for 15 years and no one has ever gotten a 1099 for forgiven debt. He even told me that if anyone at the company or in the welcome call says I may have to, to just ignore it as that is just basic info they have to say and that it is not correct. You will not receive 1099s '' 2 ) Will my accounts go into collection? His response " no, we will have your accounts settles in 2 months, if you get a collection notice let me know and I can stop it ''.

3 ) How long does it take to settle the debt? his response " 2-3 months '' All three " recorded ''  responses are misrepresentations of the program and now I have $ 30K plus in unexpected 1099C income. 

When I I got a collection notice on XXXX XXXX I emailed it to Mr. XXXX and he responded " everything is in working order, all that will be removed, there is no need to worry ''. The only response I got was from their customer service department that said they can't do anything about it. 

When I gave the company a poor rating on their survey I got a call from and email from XXXX XXXX in their consumer affairs department on XX/XX/XXXX. I described what happened and she said she would listen to the recorded conversations. She called me back a few days later and said the conversations that I said had happened were confirmed and that she had called and talked to Mr. XXXX XXXX Manager about the misrepresentation. But that was it. When I got the unexpected 1099C last month I emailed Mr. XXXX and copied Ms. XXXX only to find out that Mr. XXXX no longer works there and Ms. XXXX never responded to my email. I have asked for the name of the president of the company several times with no response. 

Unfortunately it is what it is, I have to pay taxes on that forgiven debt but at the very least they should refund me the over {$11000.00} in fees I paid, which I requested in my email that failed to receive a response. I am an intelligent woman and I know I asked all the right questions, but when a company representative out right lies to you what are you suppose to do with that information? 

I respectfully ask that you research and investigate this company and it's practices. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any erroneous accounts. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 


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 2023-06-19
Company: CBC Companies, 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 received a letter from an alleged credit reporting company that I have never heard of that says it is getting information from the well known credit reporting agencies and is soliciting information from me. 

The alleged company is Innovis and when I called I spoke with someone in the XXXX that requested additional information from me in order to provide me with their " report. '' I have two credit cards and one car loan. My credit reports accounts are frozen with all the well known reporting agencies. 

The phone # is XXXX The company address is per their letter to me : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : Illegal Re-aging National Credit Adjusters ( Collection Agency ) has illegally re-aged an account from XXXX XXXX in the amount of {$1500.00} from XX/XX/2017. The Collection Agency has listed this debt as a new debt, which is false and illegal per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

This is a final attempt for correction before legal action is taken including damages. The attorney that I have consulted has requested that I make a final attempt for correction before a suit is file.

Company response to consumer: Closed with explanation