BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-03-02
Company: NRA Group, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account represents a balance I have no knowledge of. I also have not authorized this company to access my personal information or use it to contact me in any way.

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 2022-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX of 2020 I didnt receive the usual bill in the mail, I guess it was sent to the wrong house, and with coronavirus raging on the news I had other more pressing worries on my mind, however payment was sent but it was reported as late. It was the only time I had a late payment reported on my loan and this has deeply affected my credit score.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition

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 2019-08-03
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There were several overpayments on my mortgage account that I am requesting a refund for. I have written to both XXXX and Loancare and talked to several of their representatives and supervisors with no success. We have been working on this refund request for two months now and Loancare 's customer service department keeps giving me the run-around and telling me the refund request has been escalated and will be completed in 3-5 business days and a check will be overnighted to me. Still no refund check, two months later. This request initially started with XXXX XXXX in XXXX, in the midst of our loan being transferred to Loancare. We initially had two loans with XXXX only XXXX of which was transferred to Loancare. The overpayments were supposed to go to the other loan, still with XXXX. 

It is now XXXX and I was just told that or money was sent to XXXX XXXX  and that Loancare will have to request the refund from XXXX XXXX for these funds. Also, we were told to request an Advocate on Loancare 's website. All that I would like, is to receive the refund of our hard earned funds. This is quite disheartening and very upsetting. That we keep getting tossed around with no resolve. The refund amount that we are requesting is {$36000.00}. We have provided Loancare with all of the proof of payments and written requests and we are still no closer to having the money in our hands. As of today XX/XX/XXXX, our loan is not due until XX/XX/XXXX. 

This entire issue/situation has been disheartening and this issue has truly caused a hardship on me and my family. I hope that you are able to assist.

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 2022-03-02
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports Equifax and XXXX which received documents showing results as well XXXX XXXX responded to you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of a deceptive unfair trade practice of two car dealers and two banks who sold me vehicles with liens on each and made me liable for two car notes that exceeds my current income. Both vehicles were sold on an as is basis with over 100,000 miles and older models. Both dealers took down payments financing the vehicles for more than what they were worth. I was never shown these vehicles before any loans was finalized.

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 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 received a letter from the court at my job at XXXX. The payroll department sent me a letter stating that I will be paying XXXX dollars a week for 4 weeks that will be deducted from my pay due to a fraudulent credit card that is being charged to me. I have never owned a credit card through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX & XX/XX/2023 there where unauthorized transfers and unauthorized transactions on my account after the transaction posted I dispute all the transactions on XXXX XXXX & XX/XX/2023 Because they were not authorized by me I explained to my bank. Three days after filing my disputes I get a call from XXXX XXXX in Card Claim Department asking me about the transactions From XXXX XXXX And Was The account Secure I said I did not know I would contact XXXX XXXX like she instructed me to do so. I gave her a call back the next day and told her exactly what XXXX XXXX said I had to contact my bank regarding the unauthorized transfers and she told me that it was already too late and denied. I dont understand how transfers & transactions I did not make how can I be held accountable for transfers and transactions I didnt not authorize or make I am a hard working Mother of XXXX  daughters and for my hard earned money to be tooken from me is unacceptable. I explained multiple times it was not me the made the transfer or transactions but it didnt matter to them they still denied my Claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello and thank you for your time researching this. I've been a customer of Square payments since 2019 for my small business, which is a one-store brick and mortar location. Being it is a XXXX XXXX, I have to collect a refundable damage deposit in addition to the rental fee. At the conclusion of the rental, the client is refunded the damage deposit. Square has implemented a new policy to charge small businesses a fee on refunds. This is an unethical practice as a small business is not retaining these funds and therefore should not be assessed a transaction fee. This was THE main deciding factor when choosing a payments platform for my small business, and Square is now going to charge small businesses for funds they're not keeping. This has a major impact to my small business on top of the many other significant price increases it continues to face. I've already contacted the company via email and phone, and they have not been reasonable to discuss any options to help my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$1200.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: KeyStone Financial ,LLC
State: SC
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:
XX/XX/2022 Keystone Financial sent an email have claimed that they have a judgement against me without proper service of a lawsuit.

They 15 USC 1692i ( b ) states nothing shall be construed to authorize the bringing of legal actions by debt collectors. 15 USC 1692g9 ( c ) The failure of a consumer to dispute the validity of a debt may not be construed by ANY court as admission of liability by the consumer.

They have threatened to " execute '' judgement without proof. Specifically stated if I file another complaint that they I would be sued personally.

This is extortion and extortion which are violations of 18 USC 894a ( 2 ) and 18 USC 873.

If they continue to insist that they are loaned me any " money '' then they are admitting to using United States or bank notes as collateral which is a violation of 12 USC 582 NO banking association SHALL RECEIVE United States notes or national bank notes as security or as collateral security for any loan of money.

All Rights Reserved UCC 1-308

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) thats against hipaa regulation, has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Emails in account portals for weeks. 
Wells Fargo continues to tell me to call Escalations Dept when I asked for the Government contact info to report Error Fees : a {$31.00} charge for a Stop order that isnt needed continuously or agreed to pay for ( asked for a one time stop IN CASE ) Banking Errors : beginning XX/XX/2020 bank statement, I asked for a manual audit because the banking statement math was incorrect. 
TODAY : XXXXCustomer Support answered the phone to display an argument that I spoke to her in that way when I asked what she referred to, she hurried to transfer the call. Fraudulent claim that I was a customer difficult to handle & not following customer practices.

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 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
State: TN
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 have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have continued to receive notifications and letters in the mail from this company in regards to a debt which I do not owe. I have to date sent 3 notifications of cease and desist and also stating that I dispute the merit and validity of the debt they are attempting to collect. They decided to send three letters on the same date XX/XX/2023 in response to my XX/XX/XXXX notification of cease and desist. I received another today dated on XX/XX/XXXX and sent a 3rd notice. 

What they are sending as debt validation is something that they created and it is documented on that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America. My spouse had accounts we them. XXXX XXXX XXXX XXXX. He is now deceased. I also had accounts with the Bank of America. We lived at XXXX XXXX XXXX XXXX VA. I now live at XXXX XXXX XXXX XXXX VA 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 2021-03-10
Company: EQUIFAX, INC.
State: AL
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 account with XXXX XXXX is reporting inaccurate information that I have disputed several times. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Equifax did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email from a company threatening to sue me and report an alleged debt on my consumer credit report. I do not recognize the company nor recall ever doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted Transunion of XX/XX/XXXX I spoke to the customer service represented about removing negative inquiries on my credit report. 

Listed below are the inquiries that spoke to the Customer service about. 

XXXX XXXX - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX- DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX - DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXXXXXX - DATE : XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation