BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
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 was a victim of ID Theft and someone made several attempts to acquire credit in my name. I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Are you kidding me, I am so upset at the fact that southwest credit systems claims that they do not need my signature on a contract, every company wether its cell phone service or cable service requires a signed contract from the person who wants its services, the copies of the bills that they sent me arent good to validate this account. By law it is required that a creditor provides the original contract upon request, if I didnt sign a contract then how can this company tell me that this debt belongs to me? Either provide me with the original contract or I will sue southwest credit systems and they will have to provide the court with the contract or any document that says that I opened the account and that I agreed to pay them for these services that I am being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.

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 2018-09-07
Company: EQUIFAX, INC.
State: WA
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 RECEIVED A COLLECTION NOTICE FROM AUDIT AND ADJUSTMENT I PAIDED THE COLLECTION IN WHICH IS WAS A MEDICAL COLLECTION..AMOUNT XXXX ON I WAS PAIDED MONIES BACK BY MY INSURANCE COMPANY AND THIS COLLECTION SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE IT WAS A MEDICAL COLLECTION.. I HAVE FILED A DISPUTE WITH EQUIFAX AND TO THIS DAY IT IS MARKED AS PAIDED BUT NOT REMOVED. ACCORDING TO THE NEW LAW A PAIDED MEDICAL INSURANCE BILL PAIDED BY INSURANCE SHOULD BE REMOVED..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was originally serviced by XXXX XXXX, which was acquired by Nelnet in early 2018. Since the migration to Nelnet, my payments ( and payment overages ) have not been applied correctly, despite the issuance of special instructions. I have one loan group ( A ) with two loans ( 1 & 2 - subsidized and unsubsidized ). I want both loans to have the same balance moving forward, thus requiring equal allocation of all future payments. I have twice attempted to equalize the present balance between the loans by making small payments, then, I requested that all additional payments and overages ( since I pay more than the minimum payment ) be allocated equally so that loans 1 & 2 have identical ( or near identical ) balances at all times. Nelnet has, after repeated requests over months, consistently misapplied payments and failed to achieve this task. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was constantly sending in documents to qualify for a workout solution. 
I live with my family and we are all working in resturants I tried to better myself and help my family by investing the money from my job into the business so I could always have a job. I only had a 20 % investment into the business. 

One of the representatives said I did not need to show the taxes from the business another said I did, after sending over 50 pages of the business tax returns they told me I did not earn any more and could not afford my mortgage. 

They made me go to a Wells Fargo Bank to sign my documents. Every thing they could do to discourage me from working to save my home they did. 

I say that I have been denied because of a Computer Glitch and hostile workers in Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
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: Information is missing that should be on the report

Complaint:
In the past 8 months i have disputed my XXXX XXXX XXXX account and XXXX  XXXX XXXX account with EXPERIAN five times and always comes back verified. I requested method of verification and got no respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an automobile loan with Honda Financial Services. I will admit I'm a slow pay ; however, I have never been 30+ days late. However, once the grace period ends, Honda Financial Services collectors call on an average of 3 - 5 times a day. I have asked them every time that they call to please stop calling me so many times a day that it is bordering on harassment and that I would report them to the appropriate authorities. 

Their response to me was go ahead. We don't care. The regulators do nothing and won't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Security Credit Services, LLC
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: Account status incorrect

Complaint:
This company is reporting a collection of XXXX with all three credit bureaus incorrectly. They claim it is from an apartment I used to live at, but after multiple conversations with the apartment company and multiple requests for validation for this collection company, proper validation has not been provided. I've reached out to the apartment complex this supposedly came from and they told me that they have no records of me owing anything prior to moving out. I paid my all rent owed prior to moving out and yet this collection remains on my report There is no account number reported. This is a direct violation of the Fair Credit Reporting Act and is unfair to have this continuous be reported against me on my credit. I have been unable to attain housing for myself all because of this. I am requesting this account be deleted and that this company request for removal to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Their investigation did not fix an error on your report

Complaint:
Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$590.00} Collector : XXXX XXXX XXXX Account No. XXXX and XXXX Balance : {$1600.00}, {$600.00} This is a formal complaint against the three national credit bureaus XXXX, Equifax, and XXXX. I have asked them to do a proper investigation and validation of the two accounts above.

For one, I have disputed XXXX XXXX XXXX with the credit bureaus since last year, for some reason none of the three reporting agencies could provide sufficient and legitimate proof of the documents I have requested as my reference in order to substantiate their claim. The date of last activity is still reporting inconsistently in all three bureaus, XXXX  is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. How can this be when all of them should verify and validate this information from the same furnisher or source? 


The other collection account that is reported is the XXXX XXXX XXXX. I'm not understanding why there are two accounts with different balances. The dispute status of this account to my credit report is also reporting inconsistently in two credit bureaus. XXXX  shows " Account not disputed '' while Equifax shows " Account disputed ''. There is only one source of information, which is the original creditor of this alleged account. It appears no creditor investigation was actually done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank for XXXX disclosed debt ( including amount ) to my ex-in law. The amount is {$600.00}. They have been harassing me and those associated to me. I was recently laid off and with Covid it is very difficult to get a job and my other debts such as rent and car need to have priority. They leave aggressive messages telling me I have to call them or something bad is going to happen. Honestly, the messages are insane. Its {$600.00} and they make it sound like Im going to jail if I dont pay it. They have also left aggressive message for other members of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a checking account through this link that advertises a {$200.00} sign up bonus : https : //www.huntington.com/checking-account-promotions-bonuses-offers After waiting over 90 days after I met the terms, I still did not receive the bonus. After chatting with an agent, they opened an investigation and concluded that the promo was " not attached to my account '' and would not be honored. 

I clicked through the link that was published on their website, met the terms, then they will not pay the bonus that was advertised, so this is very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft.

One account is the amount of {$2100.00} Another account in the amount of {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I accepted a buyout with XXXX. XXXX had a 3 way phone call with me the same day- recieved all payments and closed both my XXXX accounts. I called XXXX  in XX/XX/XXXX and XX/XX/XXXX spoke with both a male and female who verified both months there were no further charges. XXXX  had reopened 1 account without my knowledge or notification. No bills were sent- no calls from XXXX. First agency removed themselves and appropriately corrected info- XXXX turned around and attempted to now triple bill with another collection agency. All calls have been recorded, need to be accessed and XXXX needs to not only fix thier mistake, but honor thier original calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: ROYAL UNITED MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 for {$490.00}. This company promised to fund me loan after about 4 months of process. They fraudulently charged me {$490.00} for appraisal which I never approved nor negotiated with the seller. When I informed them that they wrongfully charged me and that my contract is for another property, they promised to adjust the amount on the mortgage loan towards the correct property, and charged me another appraisal towards the new property on XXXX XX/XX/2021. They provided a commitment letter and informed our attorneys that our loan has been approved based on which we set our closing date for XXXX XX/XX/2021. After 4 months of process, and a few days before closing, they said they can't give us the loan cause they made a mistake and were negligent in their process. They misrepresented us, fraudulently charged us for 2 appraisals, been negligent and purposefully delayed our loan, breached the commitment letter after setting a closing date. Request for refund of XXXX or give the loan as promised and approved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are many mistakes appear in my report without my understanding.

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 2019-08-31
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent {$85.00} to my coworker on XX/XX/XXXX. 

Coworker accepted the funds which were transferred out of my bank account immediately. 

Co-worker advised she could not transfer the funds to her bank account because it needed to be verified. 

I was also forced to verify my account again despite having verified it before. 

Coworker requested that I give her cash for payment because she needed it ASAP. I gave her cash and requested a refund through the CashApp. I was denied multiple times. 

I contacted the cash app support multiple times, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to help me other than tell me that coworker needs to verify her account. 

Co-worker advised that she has verified her account including sending a copy of her lisence, debit card, and a photograph of herself with her debit card. 


However, she advised that cash has decided to close her account down as of yesterday where she can no longer send or receive payments. 

So, it looks like CashApp has stolen {$85.00} and I would greatly appreciate any assistance with this matter, especially if they are scamming other users, because I have no desire to promote a company that does this to their users. 

Please advise at your earliest convenience. 

I do have documentation of all of these transactions if needed. 

Sincerely, Concerned CashApp User

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: DISCOVER BANK
State: IL
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 sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.

Company response to consumer: Closed with explanation