BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have had the worst luck with crypto.com

1. I got a crypto.com card to buy crytpo with. 2. Learned your cant by crypto with a crypto.com card 3. Tried to use customer service. Failed. 4. I bought crytpo with my own card, they failed to give me any reward purchases as advertised. 5 contacted customer service, could only get canned messages in reply. Filed a complaint.

6. Had my account frozen by customer service after filling a filing a complaint.

7. Bought XXXXXXXX on there site, they we
nt me an email saying half were fake. Promised to return the money, never d

id. 8. Was told I had to wait two weeks for an outcome. 9. Couldnt get to talk to a manager or anyone who could help me. Continue to get canne
d messages as replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Information belongs to someone else

Complaint:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Specialized Loan Servicing ( SLS ) is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. SLS is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, SLS received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. SLS was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In Full XXXX balance!

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 2023-09-26
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:
Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: U.S. BANCORP
State: NJ
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 hear about scammers draining accounts of innocent people, and to increase my security I went to XXXX website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at XXXX website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into XXXX, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 we applied for the Capitol One XXXX XXXX credit card via this website... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 
The offer advertised was... 
" Annual Percentage Rate ( APR ) for Purchases and Transfers -- 0 % introductory APR for the first 15 months that your account is open. -- After that, your APR will be 19.24 %, 25.24 % or 29.24 %, based on your creditworthiness. '' ... 
We were approved the same day. On XX/XX/2023 we received the credit cards. On XX/XX/2023 we tried to submit a balance transfer online but the website said there was no offer available. We immediately called customer service who reiterated no balance transfer offer was available. We were transferred to the credit card department and re-explained the situation and were told that offers are published 11 days after approval and we should have received it by now if it was available. But the balance transfer offer does not currently show as available, Capital One must have chose not to offer it, and there was no guarantee if/when it would be offered. We were then requested to be transferred to a manager. After re-explaining everything to the manager ; the manager just restated that the offer was not available to us right now and to check back daily to see if it comes up but that it was not guaranteed. 
We had applied for the Capital One XXXX credit card specifically for the balance transfer intro offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Exeter Finance Corp.
State: MI
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 Exter Finance Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had lost my wallet with my bank card and identification in it one day I received an email stating someone has deposited checks in my name. I went to the Bank Branch talk to the manager and filed a police report the bank still hasn't done anything about it. Wells Fargo and someone was trying to transfer money to a XXXX card. Now how ever the bank says I owe them.

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 2020-01-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the credit report there are to errors..One my name incorrect XXXX XXXX .social security number wrong its showing last four digits are XXXX my social number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Merchants' Credit Guide Company
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX internet is harassing me and has sent me to a collection agency, for a bill/internet contract that is not mine. I rented a room in my home to a XXXX XXXX XXXX XXXX, who apparently entered a 2 year contract with them, before moving out just a few months later. ( moved out maybe XX/XX/XXXX ). 
At some point their failed attempts to collect from XXXX, they decided to attach my name to his contract, since I also live at the address. After them confirming I wasnt part of the account and had no access to information on the phone, they sent my name to collections. 
I called XXXX again XX/XX/XXXX, and they claimed there was no account. I provided the number on the mail, they said I owed XXXX . They said i entered the contract when they intalled the satillite ( they claimed XXXX ). I informed them I was at work on a XXXX XXXX  shift that day. I informed them i never had the chance to sign, and wouldnt have knowing XXXX reputation for outstanding debt collectors. They then claimed I entered the contract verbally at some point I wasnt aware of. This cycle continued, XXXX saying anything they could to scare me into paying XXXX debt. 
Informed the self proclaimed supervisor named XXXX, I have enough stress, and my time is valuable, if my credit is belmished by this corperations unethical and illegal attempt to scare me into paying a debt that isnt mine, I would take legal action. He told me to do that. 

XXXX phone XXXX collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: First Credit Services Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already reported this company to the XXXX XXXX XXXX. And now I am reporting them to you all because they are trying to pin some erroneous debt on me saying I owe some membership to some gym, which I DO NOT OWE WHATSOEVER.!!!! They sent me a copy of the forms and they said they have a copy of my license.to which they showed an old license of mine that I havent seen for yearsnot only that Ive told them this account is fraudulent and they told me to provide an identity theft report to them, but never said where to send it. Im so sick of this company as I have read multiple reviews about their tactics and bad practices and this just confirms it. STOP TRYING TO OIN THIS FAKE DEBT ON ME!!!!! AND NEVER REPORT IT TO ANY OF THE CREDIT BUREAUS OR YOU WILL BE SUED TO THE HIGHEST EXTENT ALLOWED BY THE LAW.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: MoneyLion Inc.
State: TN
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:
Money lion keeps changing my payment history. At first it was only one 30 day late from XX/XX/2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Fremont Investment and Loan CoXXXX originated loan that has been through the hands of multiple companies. I have not been able to resolve this account with current company Ocwen/PHH Mortgage/XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency. 
Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown. 
but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees?? 
I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home! 
Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now. 
I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan?? 
I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault. 
my office was closed again since XXXX XXXX, due to very high covid cases in this county. 
i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills. 
dont forget, i have to file taxes too. 
all the late fees added so many times ( aleast 6 times ) need to be removed. 
i can only think of paying sometime next yr, in 2022, not this yr. 
Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first. 
I have seniors at home too. 
I have no choice to file a complaint about this ongoing harassment. 
Thanks XXXX XXXX XXXX credit # 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didnt recognize XXXX XXXX inquiry in my credit report

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 2023-02-10
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I've been a loyal customer with you guys since XXXX  already spoke with a representative from your company. They said to file a claim with you guys Including Increasing Minimum Payment and the Interest Rates and getting Compensated for the amount that was spend fixing a problem that shouldn't even occurred. the amount that was spent was XXXX amounts fixing my bank account. This company has been having problems lately, the company always fix the problem great customer service would appreciate. 

Spoke to Wells Frago they said to file a claim for my account and the money. I lost because of your company. problems happen around XXXX, more it interests every time, and my account was on hold because of the problems going on.

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 2023-03-04
Company: EQUIFAX, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation