BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: TN
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 in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Earnest Inc.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: PLAZA HOME MORTGAGE, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 we took out a mortgage in the amount of {$340000.00} to purchase a home in XXXX XXXX, UT. The plan was for this loan to be a bridge loan until we sold our home in XXXX XXXX, AZ. 

On XX/XX/2019 I requested wiring instructions from XXXX  XXXX XXXX so that I could make a {$260000.00} principal payment. I was denied the information because XXXX XXXX XXXX was selling our mortgage to Plaza Home Mortgage and I was told that I could not make any payments until XX/XX/2019. 

On XX/XX/2019, I requested the wiring instructions from Plaza Home Mortgage and again was denied the information necessary to make the principal payment. I was told that my account was frozen until XX/XX/2019. 

I have been paying hundreds of dollars in interest on a {$340000.00} loan when I should only have ben paying interest in a {$85000.00} loan since XX/XX/2019. 

After numerous complaints to XXXX XXXX XXXX  and a call to the XXXX XXXX XXXX XXXX XXXX XXXX, refunded interest from XX/XX/2019 XXXX XX/XX/2019. 

I have however still payed interest from XX/XX/2019 thru today XX/XX/2019. 

I have tried over and over again to talk to a supervisor at Plaza Home Mortgage. I have been kept on phone literally for hours without  successfully speaking to anyone. I have left messages for a supervisor and have not received a returned call. 

Can you help? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.

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 2021-06-23
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Harvard Collections, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
after checking my credit report on credit karma on XX/XX/XXXX an amount of {$2700.00} was placed on all 3 credit reports from Harvard collection on XX/XX/XXXX regarding an overpayment of benefits from the Illinois Department of Human Services. I contacted Harvard collection agency to dispute the collect. I was told that it was an overpayment of benefits from XX/XX/XXXX to XX/XX/XXXX. I was a single mom of 3 and any benefits obtained were in compliance with the departments rules and guidelines existing at the time of issuance. In the past 30+ years I have never received any documentation or court orders signed by a judge regarding this matter. What applicable statutes are they working under. I have contacted an attorney regarding this collection. The attorney contacted Harvard collection and has sent an appeal to them on XX/XX/XXXX. In return I have received via mail a document starting Hearing Scheduled Letter for XX/XX/XXXX @ XXXX via phone call. There is no court order just an appeal number listed that my attorney has responded to. This is the first time I have ever heard of this collection. Why now why this moment 30+ years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, and XXXX XXXX Plus there are about 100 soft inquries

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 2018-08-10
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX  XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: OH
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 a compliant from XXXX which is attached. I received notification from Experian first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, and XXXX XXXX Plus there are about 100 soft inquries

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 2017-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed multiple inquiries on my report that I do not recognize

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 2019-10-07
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX  XXXX Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX XXXX  Dispute XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   dispute tips XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE :  Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS c/o XXXX XXXX Hospital AKA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX Hospital AKA XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX AKA XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Harpeth Financial Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took a loan with AF247, also known as XXXX XXXX, XXXX dba Advance Financial 24/7. original loan was taken on XX/XX/XXXX for {$2600.00}. Even though I had made payments amounting to thousands of dollars, the company is now attempting to sue me in court on XX/XX/XXXX ( XXXX XXXX General District Court ). I  tried to settle any past amounts with this company but they refused any payments except the entire balance. Additionally, their interest rate is 360 %, which far exceeds the interest rate legally allowed in the state of Virginia, which I was unaware of when I took out the loan. Because of their rate and the large payments I have made, this company is engaging in fraudulent lending practices with an excessive interest rate. Their attempt to sue is even greater at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal is charging my paypal credit instead of the preferred payment settings, which is my checking account, they started doing this once I got the credit card and the preferrerd payment is set to checking account, they stated so internal security would let it go through my checking account so they choose to use the credit card, started back in XXXX of this year, my checking account has been confirmed and used before I got their credit card, they doing this to make me pay interest on the card

Company response to consumer: Closed with explanation