BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : Credit Control LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. Credit Control LLC via XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to Credit Control LLC any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.

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 2023-07-26
Company: EQUIFAX, 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:
15 U.S.C. 1692c - ( Communication ) in connection with debt collection Communication - Cease remove accounts from credit reporting any form of communication.

15 U.S.C. 1692G - Never Received any physical information of Validation of Debt - Requested Original Purchase Agreement - Provide a Proff of claim Never Recieved - Requested All methods of verification I feel Im being violated of my Rights with the accounts listed below # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/XXXX I successfully established credit freezes with the XXXX and XXXX credit reporting agencies. I attempted to do the same thing with Equifax and after completing their online procedure I was told " We are having difficulty verifying your identity ''. I was given the option of waiting for a mailed response or calling and I chose the latter. The Equifax agent then requested my name, Social Security Number, mailing address, phone number, and date of birth. I was somewhat reluctant to comply with these requests but did give the information. That turned out to be insufficient. The agent then wanted to know if I had a mortgage. I do not. She then asked if I had had a mortgage and with which bank. I did and the balance is XXXX. Thereafter she asked for a complete list of all current credit cards and balances and monthly payments at which point I lost patience. She said it was simply company policy to demand all this. I fail to understand why I should have to give more information than I had already given to determine who I am and what was wrong with the credit freeze process for this single reporting agency. I was already extremely unhappy about sharing such a lengthy and complete list of detailed personal information with a stranger on the other end of a phone call. Amongst the disturbing questions asked was the following : " Our records indicate that you may have applied for an auto loan or lease in XX/XX/XXXX. With which of the following banks did you have such a loan? '' I had made no such application and had no such loan! 

I hope that the CFPB can help me obtain a credit freeze with this agency and determine what obstruction Equifax imagines stands in the way of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter from Experian saying they were not going to work on my report because it seems like they someone was impersonating me- when I sent my id and other info confirming that it WAS ME!

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 2022-07-15
Company: Experian Information Solutions 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:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 explanation
Consumer complaint received 2018-11-20
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. 

For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! 

I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. 

Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. 

Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. 

I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done to 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 explanation
Consumer complaint received 2021-07-01
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im a customer of BBVA bank I filed several disputes for the same merchant transactions on XX/XX/2021. I was issued provisional credits. I was then notified by mail on several different days that half my claims had been approved and the other had be denied. I remind you they were all unauthorized to the same merchant. What is most surprising is that in XX/XX/2021 there were about 10 transactions for XXXX. Dollars each. They were split up into separate claims because bbva will only let 40 transactions per claim. And one claim was approved for the transactions on XX/XX/2021 and the others for the same day were denied. This is the case for all the claims. They have now frozen my account took all my money from me and are telling me they did all these verifications to validate the charges. But how can that be if on the same day they determine there were valid and fraudulent charges made? They have left me with financial distress and will only give me the run around. I asked for copies of all there findings they said Ill get them in 15 business days. That violates federal banking laws Im supposed to be notified within 3 days of there investigations. Also they refused to let me appeal the decision on the claims telling me they would once again be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$1500.00} on XXXX XX/XX/2020 that I requested to be paid only toward a specific loan with the expectation to reduce the principal of only that loan. I noticed that Navient ( who handles my loans ) incorrectly split the payment towards two different loans that I have with them. I spoke to a Navient call center representative earlier this month and I was told that they would allocate payment ( s ) toward the principal of the loan I request once any unpaid interest is paid off, however that is not what Navient did with my request. I have read on the internet in several different news websites that Navient has malpractices for loan processing and the CFPB has been involved so I thought I would file a complaint here first for assistance. I am hoping for correction of this error as one of millions of people relying on the honesty of loan companies during the tedious process of paying back loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to PHH Mortgage early this year. My taxes have been due since XX/XX/2023 but no matter how may calls I make they have not paid them. At first they were paid on the wrong lot. That was resolved by sending me a reimbursement check for that amount months after I complained. However they never did pay the taxes on my house after that. I started calling about it in XXXX. I have gotten the run around at every call or email. I was told they sent the check in May to my tax dep. I got a final notice letter this month and called again. I was told they sent it but did not know what was going on. This week they send an email that the they tax dept. is working on it still. I called and was told they are working on it but can't tell me anything XXXX is who the emails tell me to contact. She nor any of the other agents have a way for me to talk to the tax department for more information nor do they have a supervisor I can speak with. My taxes are past due already and the final deadline is XXXX XXXXI have an escrow account I don't know why they won't take care of it. I am afraid I will lose my house over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash app has a promotion for a {$15.00} bonus when you invite friends and they send a payment. Twice now two of my friends have downloaded the cash app with my code and done what cash up said to do. Twice cash app has screwed me out of my bonus for some reason. They always have a reason to not give me my bonus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: M&T BANK CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
M & T bank is showing ( 30 ) days late on a payment that was attempted to be made on several occasions. Each time I spoke with a representative from the bank, they told me they were having computer issues and that they were not able to process the payment. The bank does not have an automated system and my wife always asks to speak to a representative to make a payment on the phone. However, during the 3 attempts to make a payment the bank told my wife their systems were down still. The woman representative my wife spoke with told her she didnt know when the system would be working but to have her call back. We finally got through to make a payment, but by the time we were able to get help from the representative, the payment reported late by this time. The woman representative was able to take the payment over the phone and she said she would make a note on the computer that this payment was in fact NOT late and that it would not go on our credit report because it was no fault of ours that the bank does not have an automated payment system and when we finally got to speak to a representative it was several days later. This incorrect reporting is harming 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 explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have 2 complaints revolving around the same situation with 2 different Banks and my recent inquiries for a XXXX XXXX XXXX loan and line of credit or credit card. 
XXXX is bank of America who apparently just denied me small business funding without any legitimate reasoning along with reporting it to XXXX unlawfully along with the fact that they only report small business inquiries to XXXX which is legally documented. 

XXXX is XXXX XXXX XXXX XXXX, who I have a long term existing relationship with and accounts, who also just denied me small business loan and credit due to misinformation received that I sat down with the bank manager and associate about. 

Now I have good credit and credit history and the fact that I have started a XXXX XXXX XXXX in PA the start of this year XXXX and since pandemic and person or entity can apply and receive up to {$50000.00} in business funding with a newly approved XXXX and XXXX # as long as you have a XXXX or better credit score. So that 2 different financial companies and institutions that illegally or unlawfully denied me business funding. 
Which again Banks and credit unions are required by law to provide small business funding up to {$50000.00} with a XXXX XXXX XXXX verification which I have and provided. 
Your time and assistance with this XXXX XXXX is desperately needed and greatly appreciated.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, TransUnion, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

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 2021-04-29
Company: EQUIFAX, INC.
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:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I don't know what happened to the car. It could have been stolen. All I know is that I do not have possession of the car and the loan keeps growing. I have attempted to pay it on time every month, but the interest is outrageous. They did not inform me that I would be paying 4x the amount of the money I actually received. They pushed me to purchase additional products from them and were determined to make sure I walked out in debt. This company is currently in a lawsuit, and I am experiencing the issues other consumers experienced with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Company over charge me for overdrawn transactions and have expensive fees that are not being disclosed properly to their customers. They are basically scamming people with their overdraft fees and not letting you know and making sure than your aware.Also, my statements are not accurate they are showing transaction out of order for confuse customer and take advantage.the picture uploaded shows a rebate for fees they know they are wrongfully charging.

Company response to consumer: Closed with monetary relief