BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2018-07-24
Company: Midwest Recovery Systems
State: WI
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 received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an  unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.

I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/2021 Balance : {$610.00}. Please update.

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 2019-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. 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 2023-07-11
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out about this debt through my credit reports. Original Creditor was XXXX XXXX XXXX for {$170.00}. I was never notified about this debt. No attempts we made to Inform me about this account which was opened without my knowledge and authorization. After calling RGS financial about this account, I found that they had the incorrect mailing address which we proceeded to update to my new address. After looking into this account further, this account was opened fraudulently several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I was notified by SunTrust Bank that my checking account was overdrawn. Upon reviewing my account, I saw that a {$20.00} check that I made out to the Washington XXXX XXXX was changed to a {$4800.00} for XXXX XXXX. This check was obviously altered but was cashed by SunTrust anyway. 

On XX/XX/2021, I called my bank to let them know that I was a victim of identity theft at which time, we agreed that my bank account should be closed and that they would have the fraud investigated. They also indicated that the investigation would take 10 business days. 

At the end of the 10 days, I called again and was told that there were no notes on the investigation and my customer service rep said that she would escalate it. At that time, she said it might take 100 days. On XX/XX/XXXX, I called again and was told again that they had no information and again- they would escalate it. 

It seems as if there is nothing being done and no word from SunTrust ( now Truist ) on refunding not only the missing {$4800.00} but some additional monies from a deposit.

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 2018-08-13
Company: Experian Information Solutions Inc.
State: MI
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 am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was having a financial hardship and was not able to pay my fee which was {$30.00} in the month of XXXX on time with Comenity capital bank/ Children place rewards card. I spoke with an employee there and they told me the late record would be taken off my credit report on all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Ocwen Financial Corporation
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:
I was approved to receive financial assistance thru the HAF program homeowners assistance. PHH mortgage has refused to accept payments issued beginning in XXXX. I was NEVER advised that no mortgage payments were issued. As of XXXX PHH received a check from the state and refused it and did not accept it and and turn back. They nEVER informed me sent any correspondence and payments Bot recieved. I was not made aware until I received notification from credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

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 2018-07-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. 
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. 
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. 

I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. 

On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. 

On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. 

On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. 

Eventually, I submitted the detective 's contact information to the fraud department. 

The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. 

Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. 

The bank also refused to provide me with the credit during the time of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I submitted a complaint on XXXX XXXX, 2021 against Bank of America because they have charged my checking account for 3 NSF charges for a total of {$100.00}. Recently, I noticed another {$35.00} fee I was charged on XX/XX/2021 all of which were removed from my bank account by Bank of America during a time when our country is experiencing a pandemic. This brings my new total of fees charged to my account to {$140.00}. I filed a complaint prior to this one and was contacted by XXXX XXXX Resolution Specialist at BOA. Ms. XXXX emailed me and said she was my point of contact until this matter is resolved. The only problem with that is I have called her on 2 different occasions to confirm I am the party who engaged the CFPB for assistance in getting this matter resolved as she instructed me to do before XXXX XXXX, XXXX.She, further, said she would be responding to my concerns via secured email and asked that I follow instructions in that email to access their response. I have NOT heard another word from Ms. XXXX either by telephone or secured email and have since sent her 2 emails and left 2 voicemail messages at the number she provided to me as her contact #. She, further, states that either her or one of her colleagues will return my call within 48 hours. No return call, nothing at all.

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 2022-01-14
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A money transfer was unsuccessful due do to XXXX not accepting funds and demand that was sent they only accept a victim only accept direct deposit or ACH from a bank account account request for refund from Western Union who refuses From the transaction fee in a multiple {$16.00} portraits action there was 3 transactions I received email stating that I would receive the complete refund transaction plus plus money transfer amounts but I have not what's the name of your feet what's the need to be fuses to assist assist customer service representatives hang up the phone I'll keep you on hold for 3 hours waiting for waiting for resolution that That's not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2018, I called back Navient to try and work out a payment plan on my Private student loan. I spoke with XXXX, who became frustrated that I could not make the payment they were asking for with {$180.00}, due to bills and my income. I asked if there's any way to forebear or defer, to which she said no. I asked if I can make payments of {$50.00} or what I could afford and not default she refused and got snippy then sent me over to a supervisor. XXXX gets on the phone and is immediately hostile. I explain to her the same thing with bills, my income and the financial work up, she states that they will just send me litigation and have the government garnish 25 % me then I won't be able to pay my bills. I ask her if I re-enroll in school will I get a deferment, she gets angry and says she is going to mark me as refusal to pay and hangs up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, 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:
I've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. 

I asked above mentioned collector questions : What amount owed? 

Copy of written agreement that created my original requirement to pay? 

Provide verification and documentation about why this is a debt that I am required to pay. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. 

Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? 

Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. 

Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. 

In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. 

You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. 

Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. 

You have n't proven by your response to me that you even exist nor answer the questions above. 

Account XXXX did n't exist when debt began. 

Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: AZ
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:
This refers to complaint no. XXXX. 

Equifax supplied a phone number to resolve this complaint. It was answered by a foreigner. This is exactly what my complaint was about in the first place, which is the use of foreigners to discuss my credit history. I will not talk to foreigners about my credit history. Equifax is exposing all Americans with credit history to fraud and identity theft. 

My address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: EQUIFAX, INC.
State: LA
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 started receiving alerts on my Equifax credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : 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 XXXXXXXX/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 XXXXl XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: DARCARS AUTOMOTIVE  (Mariam Inc.)
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The car was purchased XX/XX/XXXX from Darcar in Maryland. The car was XXXX, I gave them XXXX cash as a dowm payment, leaving me with XXXX to finance. Somehow I have had to pay off the XXXX over three years at XXXX. That totals XXXX. In XXXX, they repoed the car because I moved to New Jersey. I paid XXXX to get the car back. The car came back so damaged. I filed a complaint to fix the car, never resolved. 

According to XXXX XXXX, the car will not be paid for until XX/XX/XXXX, five months after what the Contract states. An additional XXXX. The last payment should have been XX/XX/XXXX, money she is claiming not to have received. 

On XX/XX/XXXX like each month, I allow XXXX to take the payment directly from my checking account. The company never informed me that there was a payment portal online, instead I gave all my banking info to an account manager who has full access to my checking account. I received an email on the XXXX of XXXX informing me that XXXX 's payment was not received. There is no problem with the account, the money is there. I have an email from XXXX confirming that she will take the money on XX/XX/XXXX .... This is her way of charging me late fees which has been a practice of the company. 

I would have paid XXXX for a XXXX car - XXXX for borrowing XXXX. Please look into this matter.

Company response to consumer: Closed with explanation