BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo sent me a rejection letter saying that they could not prove my income despite the fact that I sent them two years of federal tax returns with qualifying income. They also said I have insufficient assets which was not true.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-18
Company: ENCORE CAPITAL GROUP INC.
State: ME
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 provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, Midland Credit Management illegally posted an old account that does not belong to me on my credit again to attempt to extort money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Requested that a manager calls me back several days ago and left a voice mail with the reconsideration department and no one has given me a call back. constantly being declined credit limit increases with the denial reason, " this account has received too many credit limit increases, '' when only one small increase has been given. the customer service is POOR.

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 2020-12-03
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: Personal information incorrect

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : 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 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 non-monetary relief
Consumer complaint received 2022-10-12
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: Personal information incorrect

Complaint:
I have requested for addresses on my reports to be removed that are not correct from all bureaus they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1st ) XX/XX/XXXX I received my first letter from a company called Cashnetusa.com regarding a cash advance that I never took out, for {$300.00}, due XX/XX/XXXX TEL : XXXX I immediately called the company and told them that I never applied for a cash advance from the company & I have never heard of the company until I received the letter from them. They told me to file a police report to prove that it was identity theft and fax them the police report, which I did. 

2nd ) XXXX XXXX, XXXX I received my second letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX. 
TEL : XXXX I obtained a police report as requested on XX/XX/XXXX Faxed police report to Cashnetusa.com on  XX/XX/XXXX 3rd ) XX/XX/XXXX I received my third letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL :  XXXX 4th ) XX/XX/XXXX I received my fourth letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 5th ) XX/XX/XXXX I received my fifth letter from Cashnetusa.com for a settlement offer for {$230.00} due XX/XX/XXXX TEL : XXXX 6th ) XX/XX/XXXX I received my sixth letter from Cashnetusa.com for a settlement offer for {$150.00} due XX/XX/XXXX TEL : XXXX 7th ) XX/XX/XXXX I received a letter from a creditor company called XXXX XXXX for {$620.00} ( No due date ) TEL : XXXX 8th ) XX/XX/XXXX I received my first letter from a company called XXXX XXXX XXXX XXXX XXXX for {$230.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 9th ) XX/XX/XXXX I received my 2nd letter from XXXX XXXX XXXX for {$300.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX XX/XX/XXXX XXXX XXXX XXXX , an identity fraud support caseworker from a credit monitoring company called XXXX XXXX contacted Cashnetusa.com with me and we spoke to XXXX XXXX XXXX who asked me some questions regarding the cash advance. She asked me if my birthday was on XX/XX/XXXX, I told her no. 
After I clarified my correct date of birth with XXXX she told both XXXX XXXX and I that she would close the case against me, due to the fact that the person who took out the cash advance had a different birthday from me. 

10th ) XX/XX/XXXX I received my 3rd letter from XXXX XXXX XXXX for {$98.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 11th ) XX/XX/XXXX I received a letter from XXXX XXXX , Wage Garnishment Division, Restitution Amount : {$690.00} & Garnishment Amount : {$2000.00} due 10 days of the date of the letter TEL:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: TN
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 information reported by Experian is incorrect and had been removed by Experian and re-added to my credit record. 

I asked to get it removed through their online dispute and they have not removed the information that is not on my other two credit report with XXXX  and XXXX. 

please see attached copies that is will upload thanks

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 2023-02-10
Company: CREDIT ACCEPTANCE CORPORATION
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: Old information reappears or never goes away

Complaint:
I asked the company multiple times to have the account removed from my credit reports. This account was included in the bankruptcy.

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 2023-01-25
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 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 Balance : {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 CREDIT XXXX XXXX account number 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, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Over the weekend, a friend tried to send me {$300.00}. I was contacted by Cashapp that I would have to pay a {$100.00} XXXX  fee in order to receive the money. My contact is at this email address ( Cash App XXXX ). 

I paid the fee as instructed. However, then they came back and asked for an additional fee of {$77.00}. which was accepted and which I provided a receipt just as I did for the previous {$100.00} payment. even with a copy of the receipt, your folks said hey did not have it and demanded I repay this amount. which I did again. 

As soon as that fee was paid, they then said I owed another {$280.00} fee as a XXXX  fee. As you can see, I was now being asked to pay fees in excess of the amount that was being sent to me. Meanwhile, the app locked up on me and I could no longer load the app with money to pay this additional fee. 

Since the app was locked up I was then instructed to pay via XXXX. I first paid {$280.00} for this XXXX  fee through XXXX giving them a receipt. they denied receiving it. and demanded that I pay an additional {$250.00} through XXXX. I paid this as well providing a receipt. I was told the XXXX team could not find or handle this money. 

They did unlock Cashapp, I loaded cash into that last night and paid the additional XXXX  fee. They came back his morning and wanted another {$790.00} I refuse to pay any more. Supposedly they are working on it. However, it has been 3 days and I have seen no results. For clarity, this is the amount of fees I have paid thus far. 

Fees paid to Cashapp to receive {$300.00} sent to me by a friend. 

XXXX XXXX Fee : {$100.00} XXXX fee : {$77.00} XXXX ( 2nd ) : {$77.00} PVC Fee : {$280.00} From XXXX : PVC Fee : {$280.00} PVC Fee : {$250.00} Total : {$1000.00} So now I have spent in excess of XXXX times the amount being paid to me just to get the money being sent. 

I have talked to my attorney. This is fraud. You are my first step. I will also be notifying the company of my actions. 

I need this to be resolved. 

Thank you, XXXX I do have my email trail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

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 2019-10-28
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Westlake Financial Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions. 
2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects. 
3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2019-10-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE PERSISTS TO BILL ME FOR TAXES AND INSURANCE ON A MORTGAGE THE SERVICER CREATED AN ESCROW FOR IN ERROR I have sent numerous emails and made even more phone calls to LOANCARE A XXXX XXXX COMPANY - to have the escrow attached to my loan REMOVED. 

This loan never had escrow on it. ( I put down 25 % down-payment and it was structured as a conventional loan whereby I paid only the Principal & Interest. I paid taxes and insurance myself. Last year, Loancare erroneously remitted property tax for this loan to the local tax office. I refunded completely - PAID LOANCARE IN FULL for the remitted taxes almost immediately after the servicer remitted the taxes. Nonetheless, months after making the full payment of the remitted taxes and even after numerous efforts to communicate with LOANCARE, and with them promising to make the adjustment of their error, I continue to be fraudulently be charged Taxes and Insurance and they have persistent to bill me for escrow on a mortgage that I personally and directly pay taxes and insurance to, and which should NOT have escrow attached to it.

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 2019-10-28
Company: Diversified Adjustment Service, Inc.
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: Account information incorrect

Complaint:
I am disputing the charge that was placed on my credit report by XXXX and Diversified Adjustment for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, Diversified Adjustment, and the three credit bureaus ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, XXXX did not remove the charge from its credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation