BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. 

Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Credit Adjustments Inc
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I agreed to a compromised amount for my student loan of 10 years that I never knew existed in XX/XX/2018. I began making payments in XX/XX/2018. I called the company that made the compromise with me on XX/XX/2018 and specified I wanted to pay the remaining balance off in full. The representative added the amount up for me and I paid the amount I was told is the FULL BALANCE. He assured me I would receive a paid in full letter in 3-4 days. 3 weeks went by and I had not received anything so I called them back to see where my letter was. They then stated that the representative gave me the wrong amount by {$50.00} and since my compromise was to be paid in full by XX/XX/2018 and was not due to them giving me the wrong information I now owed an additional {$1400.00} in interest and fees. I asked why no one gave me a call in those 10 to let me know THEY had made a mistake and she said she would research the situation and get back to 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 2018-09-07
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
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: Account status incorrect

Complaint:
This account was never late or past due. This account was paid on time, every time XXXXXXXX XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MS
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:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is Experian and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX  is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against Experian, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent XXXX  $ via zelle to an email titled " XXXX '' to a man titled XXXX on XX/XX/XXXX for an additional piece to add to my camera. Not only did the product not come in the mail resulting in a scam but my bank told me there is nothing they can do to refund my money for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are credit enquiries that are unknown to me. I never authorize anyone to use or run my credit. 








XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX TXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Employment Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX DE 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 2018-09-07
Company: Credit Adjustments Inc
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company Credit Adjustments was hired by The Department of Education to collect a debt that was discharged in a Bankruptcy due to medical reasons. It was filed in XX/XX/2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. The Depart of Ed is intercepting my tax returns, even though they have collected over {$XXXX}, XXXX through wage garnishment. 
When I call Credit Adjustment, they refer me to the Depart of Ed,  and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.

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 2018-09-07
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX this debt for XXXX XXXX XXXX XXXX XXXX was discharged. Then I received a bill from Clark county collections on XX/XX/XXXX, I promptly called the number and left a message that I was disputing the debt due to the bk and that payments had been made to XXXX XXXX XXXX XXXX XXXX and the amount of the notice stated XXXX was owed and they reported account in XX/XX/XXXX before letter was sent and the balance reported is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I has my mortgage with boa until yesterday when my loan was transferred to XXXX   XXXX. I was never notified either by phone, email or letter by boa about this situation. 

On the other hand I just received a notification by XXXX telling me that they are taking over the loan.. 

I have been paying within the month of my regular payment so I have never been late. I even have a representative from boa that call me regularly to verify that I was able to make the payment within the month.. again i always paid within the month no late payments ... he never mentioned that boa will be transferring my loan. 

I believe boa is not a bank to be trusted for consumers, they take advantage due to their position in the market. They should notified if they are going to do this before hand. 

Note ... since my loan was erased from boa website I not sure if this was a conventional o or FHA loan.. 

Regards

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 2019-01-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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:
I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX   inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX   XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BERKSHIRE HILLS BANCORP, INC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2017 i called berkshire bank and asked them for guidance because my mother got old and sick and im XXXX. I asked if they could help me because my moms house insurance lapsed due to her illness and i did not know what to do. They said sure no problem we take care of. that for if we can automatically withdraw your monthly mortgage payment and we will send you the information on homeowners insurance also. i set the auto withdrawal for mortgage. Couple months later i got a letter giving me a price of XXXX a quarter for insurance. Great thank you for your help at this difficult time in our lives. I will be in to pay .About a year to two years later, after mom back home and better she will live. I noticed i have been very short of my money. My bank informed me that berkshire bank had been withdrawing my mortgage and homeowners insurance. They had put me on commercial insurance about XXXX a year and it was with their own berkshire bank owned subdivision ( under another name ) insurance.. They own an insurance company so they put me there.. Im not a commercial company and never agreed to it. so they profited all the way big time for their own personal gain. When i called and told them i know what they have been doing and to stop automatic withdrawal, they refused. i paid my bank to have it stopped and during that time i became 2 months late on mortgage and they sent me lawyer fees for XXXX dollars. this is only one bad thing they have done. Next i called and asked to borrow on my equity and a man named XXXX laughed at me and said " You are a left over mortgage from when we bought the bank we would never have approved you based on your social security income age and XXXX and laughed some more and hung up XXXX it goes on and on i have an entire notebook on how my elderly mom and me her XXXX daughter have been and are still being treated 6 to 8 calls a week just for harassment all thru covid. they prey on the old and XXXX. There's lots more if your interested.

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 2018-09-07
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a letter dated XX/XX/2018 from XXXX , XXXX . In the letter they threaten to contact my employer and attach my wages. In the letter the only give me five days to  respond from the date of the letter which I received in the mail on the fifth day of the date of the letter. 

They repeatedly contact me on my company phone and called my employer numerous time asking for me and my whereabouts causing concern with my employer. 

On XX/XX/XXXX XXXX  had a process server come to my place of employment and serve my Human Resouces Department with a Plaintiff 's Claim and Order to Go to Small Claims Court. I received urgent messages from Human Resources with concerns of this  matter and action. 

On XX/XX/XXXX another envelop shows up at my place of employment, this time the letter is addressed to my employer with no reference to me on the envelope. So my employer opens the letter and was very concerned that I may be having financial problems. This has caused me undue hardship and embarrassment with my employer which is now have a negative impact on my employment. 

I have copies of the proof of these actions as I described them to you. 

I wrote a letter dated XX/XX/XXXX in response to the threatening letter XXXX sent me on XX/XX/XXXX. I sent it to XXXX as a certified letter with receipt from the USPS. In my letter I demand that XXXX stop the harrassing calls to my employer and me during work hours. I tell them that they are breaking several articles of the Fair Debt Collections Act,  and list each article they are breaking. I ask them to remove any and all negative debt reporting on my credit report. I warn them that I will file a complaint with the Federal Trade Commission in an effort to get XXXX to stop these damaging actions against me. 

I have written a letter to XXXX, XXXX in response to their filing of Claim with the Superior Court of California , County of XXXX XXXX. I address their action of contacting my employer when they knowingly have my home address. These actions are unlawful and I need help to get XXXX  to stop these unlawful acts. I would like to also ask for any fines to be paid to me for each unlawful act as set forth with the Fair Debt Collections Act. 

I have called prior to all this asking to settle the debt and offered payments, but they only wanted their interest payments in excess of 100 % interest. 

Thank you for your help in bringing this company to start following the Fair Collection Practices Act. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I fell behind on my credit card payment. Capital One called my husband who is not on my account and asked him to pay my bill. When he refused they told him how much I owed them. I dont think thats legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: OneMain Finance Corporation
State: NY
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:
Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: WY
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: Old information reappears or never goes away

Complaint:
I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. 
I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year.

# 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from  companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD

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 2020-08-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new 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 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo received my direct deposit of {$460.00} and this morning they removed it. This is a XXXX problem again. Their answer is sorry for the inconvenience were working on it. They act like they dont know what happened. Meanwhile my account is negative because the money was there for at least 24 hours.

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 2018-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at identitytheft.gov & within a month XXXX & XXXX removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law.

Company response to consumer: Closed with explanation