BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX   XXXX {$250.00}

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 2023-05-04
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3600.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all 3 bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with XXXX  and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!

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 2020-11-08
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 PPH Mortgage Services XXXX. XXXX XXXX XXXX. XXXX, New Jersey XXXX Re : # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : I am asking for forbearance on my loan # XXXX. I don't have work because of COVID -.19. I am not making an income. I do XXXX and XXXX XXXX, and people won't let me in their homes because of covid-19, even with a mask. Also, people are out of work and are not doing XXXX XXXX, therefore, I don't have any income. I have been struggling financially since XXXX of this year. I believe I should obtain a forbearance for 180 days. Under the CARES Act, it gives me the right to forbearance. I barely make enough money to pay for my utilities each month. I never imagined that I would be in this terrible financial situation. I dont like asking for help, but I do need your help, otherwise, I would be homeless. 

This is very humbling to me. Please grant my forbearance for 180 days. 

Thank you, XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX was my original mortgage company who financed my purchase loan but within a month or so I was sold to U S Bank XXXX XXXX. Under U S Bank my due date to pay my mortgage changed putting me in a strained position over the last 11 years and 2 months. 

My due date now is anytime between the XXXX of the month to the XXXX to make my loan payments. XXXX XXXX was due towards the end of the month which gave me time to receive my social security benefits so I can make my payments on time without late fees being applied. 

With U S Bank I asked them to change my due date to appear in the range of when I receive my benefits they have declined me several times. It is as if they want me to lose my home. 

Each month I have to hold 2 months payments out of my social security benefits to avoid paying late fees or being in default. It has been very frustrating to hold 2 mortgage payments out difficult I may add causing a monthly financial burden. 

Although, U S Bank XXXX XXXX  gives us until the XXXX of every month to make our payments, they have another stresser in addition to our payments. They print our monthly statements on the XXXX. I was told by U S Bank representative XXXX just on Tuesday that the reason my statement doesn't show my payment was made on the XXXX the grace period date due to their cut off date of the XXXX. The statement shows me being a month behind in my payment and on their website as well. But in my bank account they were paid on the XXXX. 

This made a problem for me when I applied to refinance my home with a different company when they asked for my most recent statement and it makes me appear to have not paid my previous monthly mortgage payment. 

U S Bank representative said oh on your XX/XX/XXXX statement will not show a mortgage payment past due. So I had to explain to the new mortgage company to check my bank statements to see I did pay my mortgage and contact U S Bank if they like. 
Now I have to wait 8 days to get my new statement when U S Bank to prove I am not delinquent on my payments. I feel they don't want customers to go any other company by publishing falsified information on the borrowers payment history.

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 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Following court ordered Mediation for their failure to submit a legal response nor defense, Capital One has ignored NYPD Complaint Report Number:XXXX XXXX XXXX XXXX XXXX : # XXXX , continuing to hold deposits into the OPEN bank account # XXXX as recently as XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX   XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$64000.00}

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 2023-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Fifth third bank offer overdraft protection for 24hr to cover you overdraft without charge for 24hr that why I sign up, now been charge a lot of money for those charges, they even trnfer money from my other account to cover overdraft without my consent they stole from me around XXXX dollars now nobody can help me solve this situation they are scammers they offer something they get you money without hesitation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$64000.00}

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 2020-12-14
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: The Lueder Law Firm, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Office : XXXX Email XXXX Was paid XXXX $ for an outstanding hoa bill, on XX/XX/XXXX After payment was made the there was still a Lein put on my property. I have asked multiple times for proof of payment, and this Lein to be removed but I havent received any updates. 
I was charged for a pet fine multiple times which I have informed them that it is a service animal. They reduced To take these fines off and have used them against me in the amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
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:
I have requested XXXX XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the 2 disputed accounts. 

Also, Equifax failed to comply with FCRA and investigate my dispute claiming ( in my earlier CFPB complaint ) that they " didn't receive my authorization '', even though I provided them with my last 4 digits of SSN,  name and date of birth. To prevent them from doing it again I attach a copy of Equifax credit report showing the disputed accounts. 

Please investigate and delete these false disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.

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 2023-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I XXXX the response from Wells Fargo Auto Fnance, and XXXX actually responded that {$2600.00} for income was seen on the loan application. This should have alerted Wells Fargo Auto that this information was incorrect as I banked with Wells Fargo for close to eight years. I was turned down a loan for a mobile home on its own property XXXX years ago. 

This should have been enough for Wells Fargo Auto Finance to check my assets in my checking account. They are a guilty as the car dealership who I am currently suing. I have never had that amount of cash in my checking account, and Wells Fargo knew I banked with them. I do not accept their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}

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 2022-07-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. 

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019, I went to find a free TransUnion credit report, but was tricked into signing up for a membership that charged {$25.00} a month. 

I searched XXXX for my transunion credit report, and followed what appeared to be the correct search result to the TransUnion webpage. I had to enter information about myself so they could identify me including name, address, ssn, credit card info. 

At no point did I see any information stating that I was signing up for a monthly billable membership service. ( Maybe it was somewhere in 0-point white font on a white background, but they successfully hid it from me ). There was no confirmation page before they charged my card. The only alert I got was in an email AFTER they accepted my account info, and had billed me for my first month. I immediately cancelled my membership, but they already charged me {$25.00} for the first month. ( An amount that is so high that either the service they provide is truly remarkable, or they only count on billing people once before being cut off. )

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 2021-04-11
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe my Cash App account was hacked because all of my personal information is constantly being removed and whenever I put my number theres another number on there I do not know. Also, there are requests coming from people that I do not know that are asking me for money that I do not have. I have even wrote down the number and email address that was seen on my account and email as well. The email address that was seen on the account was XXXX and the number seen was ( XXXX ) XXXX. I had even went so far to reporting my card stolen in order to get a new one that would come with new routing number and account number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: PA
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 asked XXXX XXXX and equifax to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX equifax mortgage XXXX XX/XX/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 reported XXXX XXXX XXXX XXXX amount : {$610.00}

Company response to consumer: Closed with non-monetary relief