BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My wife and I have many CD accounts in our traditional and XXXX ira 's. We transfered them from XXXXXXXX XXXX XXXXXXXX State Farm bank because the interest was so much higher. The government made State Farm bank to transfer all of my wife and I IRA 's to US Bank. US Bank is a brick and mortar full service bank and has very low interest rates. Also the nearest US Bank is XXXX miles away. The State Farm office is a mile away. 

So, I am in the process of transferring all of our CD 's from US Bank back to XXXXXXXX XXXX. It is a night mare. I have to do the following : 1. ) XXXX XXXX Bank and open up an new account with a new number.

2. ) Go to State Farm and have them physically send a fax to US Bank to request a transfer.

3. ) I then must chase US Bank by phone to insure that the paperwork is being processed. 
They do not allow me to talk to someone in their IRA department and I must go through customer service that doesnt have my information about the CD. Sometimes they give me wrong information. When I ask to speak to a manager, they put me on hold and the manager gives me a message that they are helping someone else and will get back with me and never do. On top of that they send me letters saying I have ommited information on the form. The copy of the fax I have shows the correct tnformation. 

Also they have placed a XXXX dollar yearly fee on my wife 's account because they say she doesnt have enough money in her account. We never agreed or signed anything to permit this and this was never on any of our accounts with State Farm Bank. 

I have spent many frustrating hours on the phone with US Bank trying to straighten this out. They are incompetent. 

These CD 's are time sensitive. I only have 10 days after maturity to transfer or distribute the funds. Also these are retirement funds and I must take them out for our XXXXXXXX XXXX 

I can not withdraw the funds to myself because the government only allows us 1 rollover a year. 

It is a real nightmare. 

Is there any way possible we can transfer these funds without a penalty?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : 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 2018-11-20
Company: Penn Credit Corporation
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. 

Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. 

On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt.

When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had $ XXXX deposited into my account by the us government which were my 1st 2 stimulus checks ... .i didnt have a debit card so i transferred XXXX to my sister-in-law to withdraw so i could pay my rent. XXXX immediately put a hold on that transfer so my sister-in-law refunded it and we tried again. Same result. Except now paypal froze my account. Now im being told i have to wait 180 days for money the united states government acreditted me for EMERGENCY FUNDING due to the covid pandemic. Due to paypals stunt i am now homeless, penniless, and carless. I dont want to wait 180 days for my money when i have done nothing wrong. I want to be able to use my money immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have tried to contact the credit bureau XXXX, TransUnion and XXXX I cant seem to get any help my email address is XXXX phone number is XXXX My information keep selling my information to those collections company and its wrong by law and the credit bureau Act

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 2021-08-08
Company: Ingenuity RM, LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am constantly receiving harassing, abusive, and profane phone calls and letters via U.S. mail from Ingenuity RM Representatives in regards to file number : XXXX, Amount : {$200.00}. The account or debt is not my account or debt. The debt was incurred as a result of identity theft. The account or debt is not mine. The account and debt is a fraudulent account and from identity theft. Ingenuity RM is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank blocked my online access. Even after I sent required paperwork, they told me to go to branch which is 2 hours away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The name used on my credit report said XXXX, XXXX I have never used this name before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: DE
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:
I checked my personal credit report, which I acquired from Equifax. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX on XX/XX/2020 and there was an unauthorized inquiry from XXXX XXXX, and on XX/XX/2020. I want these inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX : XXXX/XXXX/2017 On the date above, I submitted a loan request for the amount of {$500.00} because I was in a desperate need to pay some bills. It provided relief for that week only and after that I have been in a constant struggle trying to pay the loan back. With an APR of 700.01 %, it 's like I 'm never going to pay the loan back. In the end, I will have paid back {$2700.00} over a {$500.00} loan. I have called a couple of times to skip a payment but all that does is put the payment on the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX Credit Card which is serviced by Wells Fargo Bank. On my most recent statement, issued on XX/XX/2001, they charged me a minimum interest fee of {$1.00}. I have had the card for 3 years and they have never charged me a minimum interest fee ( I have maintained timely payments for three years ). I also did not receive any updated terms or conditions between this statement and previous statement so this is clearly an erroneous charge. I called the number at the back of my card on XX/XX/XXXX and spoke with XXXX and was escalated to XXXX. They claimed the fee was correct because not all of my purchases from XXXX XXXX qualified for deferred interest. But I have made multiple purchases in the past with some that qualified and some that didn't, and they have never charged a minimum interest fee. I emphasized this to them, and also the fact that they can not just suddenly charge me a fee without notice. XXXX agreed to remove the {$1.00} charge. This was a week ago and the charge remains on the account. 

I re-read the statement and it states I have to dispute the charge in writing or they may not act on it, so I am mailing out a letter to them, certified, tomorrow. I understand this is just a {$1.00} charge but if they are charging 100,000 people this arbitrary charge then they have just stolen {$100000.00} from the public. I am also concerned that if they think they can get away with a {$1.00} charge this month they may charge me more next month and expect me to just pay that too. Please do not let Wells Fargo get away with this. They deserved to be penalized to the fullest extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

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 2018-11-20
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previously I had rented a small storage unit. The company XXXX XXXX XXXX has been offering a new customer offer for {$1.00} paid for the first month. A week prior to the month ending I received a {$70.00} bill from the company, the manager of the company said that I needed to also pay for the following month, with reluctance I paid the amount. Then closed out the unit and got my remaining things a few weeks latter. Now I am receiving phone calls from Allied Interstate LLC, claiming that I still owe money for the unit. The collection company has called me non stop, and has been using malicious practices to try and collect the debt. The number for Allied Interstare XXXX. The reason I am reporting this is because I believe it is a scam, again all monies were paid for the storage, and considering that the unit was closed out a month and half ago, it seems very suspicious for this company to be calling. Please let me know if you have any questions- Thank you 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 explanation
Consumer complaint received 2020-11-27
Company: Dovenmuehle Mortgage, 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:
In XXXX of this year, my mortgage was sold from Dovenmuehle Mortgage, INC to XXXX XX/XX/XXXX. At the moment, my loan was in forbearance. Prior to selling the loan to XXXX Dovenmuehle reported my loan as 120+ delinquent, which was not true as it was under forbearance as per the terms of my agreement with Dovenmuehle . 

I have been trying to request this correction from Dovenmuehle for over 5 weeks. On my report, the account indicates that it has been closed with a {$0.00} balance, but my credit score is still 70+ points lower than it should be due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

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 2023-08-13
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting my XXXX  brother 's mortgage on my credit report. I have spent hours on the phone with Equifax in an attempt to fix this. I just received a letter in the mail that provides the official response to my dispute. In this response, they state that they confirmed that my brother 's mortgage actually belongs to me and they're keeping in on my report. I feel like I've exhausted my options with this incompetent organization. Moreover, they've committed privacy violations by sharing my brother 's info with me without his consent and sharing my info with him without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 2023-06-08
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:
Kindly consider this as a follow-up to my previous complaint which contains accounts that are erroneous and misleading, and I want the accounts to be removed as soon as feasible. 

Please delete the following accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several investigations to Equifax regarding inaccurate information on my credit file which they have not corrected as of yet, according to the law 15 US code 1681ia. The listed items are inaccurate and I am requesting all of the information to be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: CA
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:
I dont recognize this inquiry

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 2021-07-10
Company: CURO Intermediate Holdings
State: TX
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:
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT

Company response to consumer: Closed with explanation