BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.

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 2022-01-19
Company: Early Warning Services, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$600.00} via Zelle to a seller for XXXX tickets. The money was withdrawn from my bank account. The seller will not provide me with the tickets and will not refund my money. This was a scam, and Zelle will not reimburse me for this scam even though I have documented messages between myself and the seller requesting that the transaction be cancelled and my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Northtown Capital Services Group LLC
State: MI
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:
So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I noticed that my mortgage payment increased by approximately {$500.00} per month since XX/XX/XXXX. In the account statement, I found that the difference was due to a substantial increase in my escrow account ( from {$87.00} to {$500.00} per month ). The mortgage company, XXXX, paid out {$1400.00} from my escrow account, causing a negative balance in my escrow account and the increase of my monthly escrow payment. My real estate property tax was analyzed by the escrow department of this company ( XXXX ) in XX/XX/XXXX, however, it is incorrect because my real estate taxes have never been that high ( I have been in my current residence for 8 years ). This was confirmed by my city tax collector.
Although XXXX paid out {$1400.00} from my escrow account, my real estate property taxes were in fact never paid. I received a warrant noticed from my city that I did not make tax payments. When I called, the city tax collector informed me that the mortgage company has not paid my taxes for the last 3 quarters and that I will have a lien on my mortgage if I do n't pay soon. The total amount of taxes I owe to my city is currently {$500.00}. The amount of overage that XXXX has charged me is {$830.00} for XX/XX/XXXX and XX/XX/XXXX. 

I reached out to XXXX on XX/XX/XXXX for this matter and received an automated response. I never received any call backs. Since then, I called numerous times and spent hours on the phone trying to resolve the issue, but nothing occurred. On XX/XX/XXXX, I mailed a letter per CFPB suggestion. I have attached the letter in this complaint. On XX/XX/XXXX, I called again and spent 2 hours on the phone. A representative ( XXXX, agent # XXXX ) told me that a supervisor will call me back. When the supervisor called, I could n't answer the phone and this supervisor left a message stating that her name is " XXXX XXXX '' and left me the XXXX  number without an extension. When I called in the morning of XX/XX/XXXX, a representative told me that I can not reach XXXX XXXX because it was never indicated in the notes that XXXX XXXX indeed called, and that I need to continue to wait for a supervisor call back. 

I no longer have any confidence that XXXX  has any intend on resolving this enormous error nor can I tell whether this error was made intentionally or not. On XX/XX/XXXX, I sent customer support an email request to immediately close my escrow account and not to disburse any further payments from my loan account.

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 2017-07-29
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 belongs to someone else

Complaint:
These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving NegativeXX/XX/XXXX These XXXX accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX this is not my address on my credit report nor has it ever been. Experian has wrong address created that are not my address or belong to me in my name. 

It makes no sense of wrong information of address that have not ever been mines and have multiple address showing or created.

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 2022-01-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: DriveTime
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.

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 2017-09-19
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:
Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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: Public record information inaccurate

Complaint:
Experian continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.

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 2019-05-20
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a credit card with XXXXXXXX XXXX XXXX. It offered no interest for 12 months on purchases and rewards of {$200.00} when {$1500.00} was charged on credit card within three months plus reward points on purchases. I had made successive payments on card and made more than minimum payment on account. After I had redeemed the {$220.00} rewards I had earned, they decided to close my account before the rewards would be credited on my account on the next statement. UMB had assured me the rewards would be credited on next statement via a phone conversation. A week later they told me I was a credit risk for very questionable grounds despite being in very good standing on my account and having a credit score of around XXXX. 

Please look into this matter for me for I feel I was purposely defrauded by UMB given they had sent me a promotional letter in mail in order to get me to open this credit card with the bonus offer. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently file a complaint with the cfpb ( complaint attached ), The company PHOENIX FINANCIAL SERV claims that. Unfortunately, we are unable to locate a definitive account match based on the information provided. 
I gave them my last number of social security. the account # how appears in my credit report and they said they can locate my file.. How can they be reporting something to my consumer reports and they don't even have full information of the alleged account. ( consumer report attached ) This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, They should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Focus Financial ( on two occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt. 

The collection company should produce a document with my signature which shows that I have assumed a financial responsibiltiy. If they can not, the must remove the reporting in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I am currently looking to buy a home and my credit sore drop significantly I have found out that the reason the scores is lower is due to the 30 day late payment on the bank of America account # XXXX showing 30 days late XX/XX/XXXX I had paid of this account with XXXX XXXX XX/XX/XXXX, see attached I called Bank of America on XX/XX/XXXX at XXXX XXXX and the Bank of America rep, on a recorded line, stated that bank of America shows paid off in XX/XX/XXXX and they have no record of reporting XX/XX/XXXX late payment to the breaus nor no late payments on the mortgage ; however a 30 day late appears on the credit report for this account, see attached Rep asked how were they going to fix something that they have no records of I want this removed immediately as this violates The federal Fair Credit Reporting Act ( FCRA ). The loan was paid off in XX/XX/XXXX and was not late 1 time in 5 years!

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 2019-05-01
Company: Avant Credit Corporation
State: UT
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:
Avant is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

Company response to consumer: Closed with explanation