BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This XXXX account is very old account. 
I asked them to remove the account from my credit in a dispute foam. Due to the time laps of 7 years of hard times. 
What was done instead of removing the account from my credit report. 
The debt collector restarted the clock on the age of the account. 
This issue needs to be resolved ASAP. 

But I am on hard times financially. 
This account affected my credit report for a very long time and needs to be addressed Immediately. 
Thanks again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CIR, Law Offices
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Federal Trade Commission Bureau of Consumer Protection Washington, DC XXXX Re : Complaint against a Debt Collector Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of CIR Law Offices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. 

In XXXX of XXXX, CIR Law Offices began the following practices in violation of the Fair Debt Collection Practices Act : ( 1 ) Refusing to send any documentation of the debt-payment agreement, and failing to send any validation of the debt or notice of my right to dispute the debt.

( 2 ) Attempting to collect a debt past the statute of limitations in my state.

I understand that you can't represent me in resolving this matter ; however, I would like to report their activity so that you can take action against them if you receive numerous complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I spoke with Wells Fargo on XX/XX/2021 because I received an alert with XXXX about an account being open which I did not apply for. The lady explained that someone opened a checking account online in my name and they will open a fraud case about the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Nelnet, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2020we refinanced our mortgage and paid in full the mortgage to Roundpoint Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX, NC XXXX. 

I am due an escrow refund in the amount of {$4400.00} and understand this was to be received by me within 20 business days ( or 30 calendar days? ). 

On XX/XX/2020 I logged on to my online account to review transaction history and the account indicated that my escrow was disbursed onXX/XX/2020 

On XX/XX/XXXX, I received a letter from Roundpoint indicating my mortgage was paid in full and a copy of the Mortgage Release Satisfaction Discharge was included. 

As ofXX/XX/2020 I had still not received my escrow refund. I called Roundpoint, spoke to rep in escrow dept. The rep told me my check was mailed on XX/XX/2020. I explained that if it was mailed on the XXXX as she indicated then I should have received my check by the XXXX. She told me to wait another day. 

XX/XX/XXXX - still no escrow refund check from RoundpoinXXXX. Called the escrow dept. again. I requested that a replacement check be sent to me via overnight with tracking. The rep refused and told me to wait another day. 

XX/XX/XXXX - Today, still no escrow refund check from Roundpoint. I believe Roundpoint is withholding escrow funds for longer than what is legal. I am asking for any assistance to help resolve this issue with Roundpoint Mortgage.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : 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 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is XXXX XXXX submitting this XXXX complaint in regards to the correction of the information the Credit Bureaus report on my Credit File. I appreciate the time provided by the Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that the Credit reporting agencies have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items below. I need the Credit Bureaus to verify the following items : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) XXXX  XXXX XXXX Balance Owed : {$520.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016. I have been consulting my legal aide as they say that they are willing to deliver my concern to a federal court and have the Credit Bureaus explain for themselves if ever the Credit Bureaus do not oblige with their Federal responsibility. Once again, I need the Credit Bureaus to updated an correct what are needed to be corrected and remove those that must be removed.

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 2022-12-04
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
Comenity Bank went through a system update in XX/XX/2022 and since then, have not reported my credit info to the credit bureau. I paid off my balance and unfortunately this is not getting reported to the credit bureau, impacting my ability to get a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights XXXX USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: VW Credit
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: Reporting company used your report improperly

Complaint:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CENTERSTATE BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I was purchasing a manufactured home in the XXXX XXXX XXXX XXXX located in XXXX XXXX, Florida. I applied for a mortgage loan with centerstate bank in XXXX XXXX. And was completely approved. They ask me to pay for a property appraisal which I did and obtain home insurance which I also did I payed the policy in full. the branch manager and loan officer wanted copies of paper stating that the insurance policy was paid in full which my insurance agent sent them confirmation on numerous times via email which the manager would not except. I lost hundreds of dollars trying to resolve this issue to no avail. I feel I was discriminated against because I am a XXXX senior or The home appraisal came back much higher than they expected or both. I see no reason why this transaction did not happen. They gave me no choice I had to back out or take a chance of losing my XXXX deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
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:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the XXXX! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.

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 2021-05-20
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my 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 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have not applied for a credit card with Bank of America. On Tuesday, XX/XX/XXXX I received in the mail a VISA credit card from Bank of America. I can not find any phone number published that will allow me to talk to anyone at Bank of America about this problem. So instead I sent an email to them citing the illegal issuance of a credit card in my name and requesting confirmation in writing this account will be closed immediately.

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 2021-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter XXXX. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Advance Financial 24/7 is a predatory lending company. My loan has a 360 % interest rate. In the beginning, your payments go towards the principal but after a few months, I noticed the balance never went down. I called to find out my payoff after I realized the balance hadnt gone down in about 5 months. I was told {$800.00}. I said I would call back in 2 weeks to pay it off and when I did, the amount changed to {$15000.00}. At the end, my original loan was XXXX. I ended up paying a total of {$4400.00}. This company is a scam. No one should be allowed to charge almost 4 times the original balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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