BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Target has reported a hard inquiry to my credit report. They pulled it on XX/XX/2022 and I have never applied for anything from target. Already contacted them to tell them it was fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: Paramount GR Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX, specifically from a lady by the name of XXXX XXXX, who asked if I was still interested in refinancing. I told her no, explained that I was working with my lender because other lenders have not been able to assist with my needs. I told her I did n't want to speak to an account rep/exec because I did not want an inquiry made on my credit. She assured me that there would not be an inquiry made on my credit without my permission first and transferred the call to XXXX XXXX. I spoke with her and she gave me some possible lending options / scenarios but never asked if she could pull a credit inquiry. A few days later I received a credit score disclosure document from XXXX stating that a report was prepared for XXXX XXXX. I contacted XXXX XXXX immediately to complain and ask that the inquiry be removed from my credit. OnXX/XX/XXXX XXXX XXXX contacted me and he notified me they would not remove the inquiry because they had " permissible purpose '' to pull inquiry and also express consent based on lending tree interest application I filled out. I was told that they would send me a copy of such, which I am waiting on. I called lending tree and was told that the only time express consent is given to run credit inquiries without prior permission is for car loans and credit cards. I also made a call to XXXX XXXX XXXX general counsel XXXX XXXX. He said he would look into the matter and get back to me. I asked that he pull and listen to full call from the point the dialer made initial contact with me so that he could hear the full discussion I had with both XXXX XXXX and XXXX XXXX. I was assured by XXXX XXXX that I would not have any inquiries made on my credit without my permission. When I spoke to XXXX XXXX he said he only listened to portion of call with XXXX XXXX. I asked him to listen to the full call as well, and he told me that even if XXXX XXXX told me that an inquiry would not be made without my permission does not mean it is so because they could run an inquiry as long as they had a permissible purpose, which was me speaking with account executive. I explained to him that I did n't even want to speak to executive and made this very clear, and that I would have just hung up if it were n't for XXXX XXXX assuring me that no inquiry would be made on my credit. Every other lender that has contacted me has asked permission to run my credit, and I have said " no '' each timeXXXX XXXX XXXX XXXX was deceitful in their tactics and practices, and made an inquiry on my credit knowing that I specifically asked them not to. I will be pursuing a lawsuit if they do not take the proper action to rectify their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a monthly payment of {$740.00} on a vehicle loan of which I've paid on time since I opened in XXXX of 2021. When I try to make a payment through my usual method on the truist mobile banking application it says it will not accept money from a non truist account. All the payments I made since XXXX of been through a XXXX XXXX account and all processed successfully. I've tried reaching out to truist to figure out the problem and was on hold for two ad a half hours and still could not reach anyone. This feels like I'm being forced to open a truist bank account which I will not do because this feels very suspicious.

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 2022-03-08
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and May have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I added {$1400.00} from my Wells Fargo checking account to XXXX XXXX on XX/XX/21. The transaction was declined by Wells Fargo and they sent an email with the declined message. The {$1400.00} was withdrawn from my checking account instantly on the same day. When I called Wells Fargo I was told there was a system issue and to call back tomorrow. I call on XX/XX/21 and spoke with four different bank reps who all say this is a known issue but my funds cant be released until their investigation is completed. I am stuck waiting on their resolutions team to correct this issue while I cant access my funds.

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 2017-11-06
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/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 explanation
Consumer complaint received 2022-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I was notified by XXXX that I had an account that was previously over 30 days late. My score dropped by XXXX points. I never have paid an account late. This particular vehicle account is on auto draft. I called and went online and confirmed all payments had been received and paid on time. I was told by usaa there wasnt anything they could do but have me go on usaa.com and fill out a credit dispute. On each attempt their system errors out and tells me to try again. This is not okay. They should have a better resolution when their agents can see that I have excellent payment history. But instead they make the consumer attempt to get the reporting corrected. Meanwhile this will affect other lenders credit decisions. Not okay and usaa should be held accountable!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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: Information belongs to someone else

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Fair Credit Reporting Act states that all the information on a person 's credit report should be a 100 percent accurate, For more than a year now we have been disputing with Experian the accuracy of an account that is been reported on my credit report. I informed this credit bureau that the XXXX XXXX XXXX account that is reporting on my credit report is reporting in accurately. We asked them to delete the account from my credit report due to inaccurate, missing account and payment information. We also asked them to delete XXXX XXXX XXXX from my credit report as they violated my rights under the Fair Credit Reporting Act as they have not provided me with there method of verification proving that this account is reporting accurately on the account and that they did indeed investigate my dispute. The request for there method of verification was received by them on XX/XX/2021 and to this date they have NOT provided me with there method of verification IF THIS CREDIT BUREAU FAILS TO DELETE XXXX XXXXXXXX XXXX FROM MY CREDIT REPORT THEN I WILL FORCED TO TAKE LEGAL ACTION AGAINST THIS CREDIT BUREAU TO RECOVER DAMAGES. 
THIS IS THE FINAL WARNING TO THIS CREDIT BUREAU TO FIX THIS ISSUE. I have a copy of all the credit reports and disputes sent in and the response from the credit bureau. If this account is not deleted from this credit report then i will be forced to take legal action of

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 2019-06-26
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an initial notice from Credit Collection Services Collections dated XX/XX/2019 advising me of a collection attempt due immediately. Nowhere on the notice did CCS indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XX/XX/2019 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX17 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the BBVA customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the BBVA payment system will now allow them to process the payment. I was willing and ready to make my payment and BBVA did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XX/XX/XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls over a number of months from Harris Harris debt collectors requesting a call back. I've now blocked three of their lines. No explanation is given for the calls. I'm not about to call some outfit that I do not know without good reason. I have no delinquent or long term debt, including car loans or a mortgage. 
Jail might be a good place for these characters. 
XXXX is the requested callback number. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MD
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$7500.00} XXXX XXXX XXXX-XXXX-Balance {$21000.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Filed a CFPB Complaint # XXXX in XXXX against TD bank in their response which is on record they stated that they run my credit to obtain my credit report during the investigation without my consent this is a violation and identity theft. They proceeded by saying i was disputing another account and obtained my alleged place of employment they infringed on my consumer right to privacy, They then had their logo displayed in the response letter which is a violation 15 USC 1692F ( 8 ). TD BANK IS CIVILLY AND CRIMININALLY LIABLE FOR A {$1000.00} PER EACH VIOLATION. 

I am sending this cease and desist as my warning before i proceed to getting ready for litigation and when that happens i will be seeking remedy for all the violations and emotional distress this has caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was one of the people sued by XXXX XXXX XXXX  for a student loan I got in XXXX & XXXX. They entered a default judgement against me in XXXX. The loan was taken out while I was domicile in XXXX. However, the falsified documents and sued me while I was living in the State of XXXX. They notified me, my account was one of the accounts impacted by the audit and court decision. However, they still haven't rescinded the two judgement that total more than {$74000.00}. This has impacted my credit and has prevented me from getting jobs as well. I need some help with getting them to rescind the judgements. My attempts to follow there procedures have yielded no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 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 explanation
Consumer complaint received 2021-10-19
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I postal mailed info for complaint # XXXX. I spoke to 2 of your agents and both emailed me the same thing showing there are no case number. Your 2nd agent said she could see info about the complaint. Maybe I did not postal mail a passable complaint. I will try to start this as a new case. 

XXXX XXXX ( Mr. Cooper ) constantly emailed me about lower rate savings. I did apply and paid {$520.00} appraisal fee. After reviewing the closing costs I decided to cancel the refinance. However I tried to remove the PMI mortgage insurance since their appraisal was XXXX and my current remaining mortgage is XXXX well under the 80 % PMI requirement.

Company response to consumer: Closed with explanation