BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call back

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 2021-10-13
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. 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 are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2013 I voluntarily terminated a lease agreement for a rental apartment. 

I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty. 

The amount was never adjusted. 

The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented. 

I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My brand new vanilla visa gift card has been declined multiple times. I've tried calling to activate it but it keeps saying invalid. I've tried to activate it in stores by making a purchase but it gets declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Went in to apply for a mortgage and when credit was pulled was told ditech reported home as paid off in XXXX, yet I am still receiving a monthly bill. Was advised to file a complaint with the cfpb. Have tried to contact ditech before about issues with how much was actually left on loan. Have been shuffled around on phone with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Credit Karma, LLC
State: GA
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:
Contacted XXXX on XX/XX/2018 about another account. But I checked my credit report later that evening and there was a new inquiry on my report hard inquiry from XXXX XXXX. Never heard of this company.can you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sold my home at XXXX XXXX XXXX, XXXX, Ga. XXXX. I live there for over 21   years. I had used XXXX  XXXX XXXX- Acc # XXXX -the entire time. I was never late or never missed paying my bill on time. Not once ever. The monthly bills for the last year, XXXX, average between {$60.00} and {$120.00} per month. The month after I moved I received a bill saying I owed {$340.00}. My payments were up to date as of the time I moved. I call XXXX  XXXX. XXXX immediately because I could not understand what the {$340.00} was about. The person I contacted gave me the run around that it was money 's they had not charged me for gas that was back due. Told her it sounds like something you have made up and want me to pay. I could not understand or follow anything she was saying about the situation. Told her to send me in writing, along with proof, what this supposed claim was about that you want me to pay. You need to give me the background, numbers, dates, etc. Never heard anything from them. On XX/XX/XXXX, I received a notice from a debt collector -- Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, WA, XXXX for {$340.00}. This is eleven months after I had spoken with them and since I never heard back I assumed the situation was rectified. Now I see that XXXX XXXX XXXX evidently sold this fraudulent " Bogus '' claim to Convergent. I do not owe this money and I need your assistance in rectifying this false 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 2019-06-14
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 is missing that should be on the report

Complaint:
I attempted to complain regarding my credit score, but Experian does not provide it as an option. I presently have a score of XXXX with Experian. My score continues to drop without reason given by Experian. Recently, it dropped by 14 points-no reason given by the company. When I paid two loans off the score did not change at all. In addition, my Experian score does not compare to those with XXXX  ( XXXX ) and Experian ( XXXX ). I noticed they don't have a system for how they increase or decrease scores. They just do as they please. I want it to stop. According to a lot of research I have done, I learned that according to CFPB there should be some parallelism among scores, yet these companies are not following suit. " A 2013 poll found that 62 percent of indebted white households has excellent or good credit scores. Compare this with 44 percent of XXXX-American households that also carried debt. ''

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 2020-06-23
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, Equifax, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and Transunion on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
was notified of a collection added to my transunion report from a company called XXXX XXXX XXXX XXXX XX/XX/XXXX for a XXXX XXXX XXXX account. This is from XXXX and was filed and XXXX under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on transunion and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these viloations

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 2018-10-25
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CURO Intermediate Holdings
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had been applying for payday loans online to help out my current financial situation. On the morning of XX/XX/19, I received a call from a person pretending to be speedy cash. I was told they had approved a loan of {$5000.00}, but we had to boost my credit score first. They sent over official looking loan documents and even deposit {$790.00} into my bank account. All I had to do was return the {$790.00} to boost my credit score and receive the loan. This was a busy and stressful day for me, so I didn't put a lot of thought into it at the time, and I was desperate for the money. I was instructed to purchase gift cards called " steam '' for the amounts released by my bank ( XXXX XXXX XXXX XXXX ). The bank only released {$200.00} on the same day as the mobile deposit was made and then only {$200.00} the next day. On the third day, the check was returned by my bank and I was out {$410.00} ( i was charged a return item fee by my bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
NO ONE WILL HELP ME EVERY GOVERMANT AGCIENCE THAT EXISTS DOES NOT BELIEVE I WAS INTERNATIONALY HACKED BY WELLS FARGO IM GUESSING THEY HAVE A TEAM OF SECURITIES HACKING TO SAVE THERE SOULLESS XXXX. ARE YOU SERIOUS I ASKED FOR A PRIVETE BOAD TO CLOSE THE DOORS AND LETS TALK ABOUT THIS. I AM TIRED IM LOST MY LIFE IS OVER BY BEING WELLS FARGO HACKED BY WELLS FARGO WORST HACKING COMPIES THAT MONEY BUYS AND XXXX XXXX IS INVOLVED BY THE IMFORMATION SEE GOT WAS STORED IN MY COMPUTER THE HACKING ACCOUNTS ON XXXX   TO CONTROL AND UTLIZE CASH ACCOUNTS AND YOU WELLS FARGO HAVE THAT ON MY ACCOUNTS AND A LAON I CANT USE. WELLS FAR I AM DEMANDING A BOARD AND  SECURITIES MEETING TO SEE WHAT YOU HAVE DONE TO MY LIFE MY XXXX AND NOW MY MARRIGE YOU WELLS FARGO DID NOT INCLUDE MY HUSBAND IN THIS I WAE YOUR ONLY TARGET OF XXXX. AGAIN I WANT XXXX A NEW COMPUTER A PRINTER AND A PHONE. MY LIFE IS GONE .I CANT RECOVER FROM THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America was presented with a Court Order in the name of a Company other then the company name on our company bank account. The name of the company on the Court Order was similar to the company name on our bank account and the address is the same location as ours - which is a shared executive office space, there are hundreds of companies in this location. Bank of America did not request, receive or verify a Tax ID number for the company on the Court Order nor any ownership SSN or TAX ID information that matched the company information on our account or any of our owners. Instead Bank of America removed {$46000.00} and {$6800.00} from 2 of our company accounts on XX/XX/2018. When contacting Bank of America they continue to provided the case number for the matter on the court order, we logged in and verified that the court order was not in our company name, and when informing Bank of America of this, instructed us to call the attorney who presented the Court Order. They have also admitted and verified that they do not have any Tax ID or SSN information to verify the Court Order. Bank of America does not allow customers to speak to their legal department thus I went to our Branch and they had to simply call the legal department who told them the same thing. When asked to see Bank of America 's policy for verification of these types of court orders and the processing policies Bank of America refused to provide any information. These actions should have everyone concerned about their bank accounts with Bank of America - they are not safe when anyone can send a order in some other name to the bank and the bank gives them {$51000.00}. Attaching both the Court Order and a clip of our Bank of American Account statement for 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 2018-12-05
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.

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 2019-06-14
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am without a phone and unable to call BMWF regarding my account, I believe this was stated in prior complaints. As stated by their rep in a prior reply, I messaged BMWF about my account and payment arrangement which is an amount of XXXX paid on XX/XX/XXXX, another payment on the following Monday the XXXX. I received an email from a XXXX with an attachment to it, a letter requesting me to call BMWF about my account. Again, I do not have a phone but will reply here, I need to update my arrangement to include the the amount of XXXX to be paid on XX/XX/XXXX. I have an insurance payment due on the XXXX as well, this is the best I can do.. Please allow me more time before possible repossession

Company response to consumer: Closed with explanation