BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of my Equifax consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 

CREDIT TECHNOLOGY- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX This company is in clear violation of the law. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave this company written instructions to furnish these inquires on my consumer report! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681b ( c ) ( 1 ) and 15 USC 1681b ( c ) ( 3 ) clearly states : 15 USC 1681b ( c ) ( 1 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; 15 USC 1681b ( c ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was out of work for a year collecting a XXXX dollars unemployment contacted fay servicing seek hardship relief only to strung along for a whole and denied help. Hired company to help was finally given trial modifocation where must pay XXXX by XX/XX/2019 then XXXX  a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

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 2019-06-20
Company: BRite Financial Services, Inc.
State: NV
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 an inaccurate information on my credit file, it shouldn't be reported any more, besides they are reporting this account whit a different account number. 
Brite financial services Acc # XXXX reporting on bureaus.

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 2019-06-22
Company: Experian Information Solutions Inc.
State: FL
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:
Attempted to dispute a duplicate collection account on credit report. Online dispute does not list this as an option on their site so tried account closed. Report stated all information was correct. Attempted to call to verify results, unable to talk to a person. No menu options lead to dispute or customer service representative. When you don't select an option it hangs up on you. Was able to reach XXXX and XXXX to resolve problem. Not able to reach anyone at Experian to correct this.

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 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX   continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions.

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 2019-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased an item online and within 10 minutes canceled the order. In XXXX my account was charged for {$70.00}. I contacted USAA to inform them that this charge is not valid and that the item was canceled. I was told a dispute was entered and a refund would be placed on my account. On XX/XX/XXXX my account had a withdrawal of {$70.00}. Contacted USAA and was told the transaction was valid and payment was rendered. I again explained that I didnt receive the item nor did I authorize a payment. I was told the dispute department made the decision and that they will contact me. I have not heard anything and only want this transaction reversed and money put back into my account. I also want USAA to stop pushing payments thru without contacting the consumer that a decision was reached. This happens often with this company and I have fought with them numerous times regarding issues like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31
Company: ALLY FINANCIAL INC.
State: OH
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:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and Ally Financial is the bank loan holder. But, when I printed my XXXX  Credit Report No. XXXX I had to dispute a record under regular inquiries for Ally Financial dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank Ally financial. They both said they didn't do it, then XXXX   instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in XXXX Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!

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 2021-05-24
Company: Velocity Portfolio Group
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2018-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX  informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain.

My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.

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: PREFERRED CREDIT INC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX I paid XXXX as the payoff amount of the loan per an email I received from the company, PCI. Then XX/XX/XXXX I logged into the website to follow up from an invoice email I received from them. The website showed the " regular amount due '' but also showed the account balance in parentheses, which typically implies a credit balance. I called to clarify and was told that my account did have a credit balance and they would be requesting a refund. XX/XX/XXXX I called again because I no longer had access to the online account and was told that I did not have a credit due. In fact, XXXX the Manager on duty at the time, told me that there was a " few dollars '' remaining and the company likely just closed out the account out of a courtesy. I tried explaining my previous conversation with the representatives from his company and he was dismissive of the information. I have received my refund and a letter stating that my account is now satisfied. 
I am concerned that this company is not keeping accurate books for their clients. The way the statements read appears that there is still an amount due and that is misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion removed my XXXX ACCOUNT from my credit report without my permission and they should had NEVER REMOVED MY ACCOUNT. 
Please REINSERT my account back in my report. MY account is in good standing and under the fair credit reporting act it should SHOW in my report. I HAVE INCLUDED DOCUMENTS AS PROOF. 
PLEASE ADD MY XXXX ACCOUNT BACK TO MY 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 2020-10-27
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
6 unauthorized transactions were made from my banking institution 's checking account to my Cashapp account -- which I no longer have access to because I have been unattachd from my account by the identity thief. The following unathourized transactions were withdrawn from my account via Cashapp. 

XX/XX/2020 - {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have attempted to reach out to cashapp on several occasions and have received no responses in regards to the fraudulent activity that have transpired on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: AL
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:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: World Acceptance Corporation
State: KY
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 have paid my account off with world finance and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX-Mohela over paid my student loan with XXXX in the amount of {$1100.00} XXXX  stated they sent the credit back to XXXX-Mohela, however, XXXXMohela has only allocated {$500.00} to my account, resulting in a balance owed to my account in the amount of {$680.00} XXXX-Mohela has asked that I work with XXXX to get the appropriate information, however XXXX will not release the information to me directly as the credit check that was sent to XXXX-Mohela includes other individuals. 

XXXX is willing to work with XXXXMohela, but XXXXMohela needs to contact XXXX directly for the information that they need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: MOHELA
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
U.S. Department of Education, I write this letter today to express my dismay when it comes to the information that is displayed on my current credit file. 

As stated by your website and others, your organization is known for their ability to help resolve issues revolving around matters, similar to this one. 
The dispute in question is based on paperwork that is obviously sent directly from Mohela, a small college that my daughter attended back in XXXX XXXX XXXX 

The letter states that the balance has been differed until XXXX, but yet my current credit report plainly shows a balance that is premature as well as misquoted. 

The balance for XXXX is {$7300.00} The balance for XXXX  is {$6000.00} And the balance XXXX  is {$9000.00} But if you look at my credit file as listed below There are a number of mathematical oversights. 

The amount for XXXX  is stated as {$10000.00} on my credit file but, the paperwork provided by Mohela states {$9000.00} A difference of {$1400.00} ________________________________________________________ The amount for XXXX  is stated as {$7200.00} on my but, the paperwork provided by Mohela states {$7300.00} A difference of -96.00 lower amount altogether If the interest is growing, then how is the amount lower at this point. 
________________________________________________________ The amount for XXXX  is stated as {$6000.00} on my but, the paperwork provided by Mohela states {$9500.00} A difference of {$3500.00} lower amount altogether And Strangely enough the amounts listed appeared on my credit score less than a month ago. 

XX/XX/XXXX. 

Where as the paperwork that states the approved deferment is dated XX/XX/XXXX. 
The deferment was granted no more than a year ago. 
A possible oversight perhaps, but the misquoted amounts lead me to believe that it is more than just a behind the scenes mistakes. Possibly a non procedural way of taking advantage of their students. Being her father my concern has been heighten. 
I am now blowing the whistle as a Concerned parent as to the treatment of my credit file as well as daughters credit file. 

A huge over sight when dealing with specifics. 
As you can plainly see there are a number of inconsistencies that have affected my credit file. 

At this point I am officially requesting help on this subject matter based on the difficulties that are presented. It is like arguing with an entity that does readily understand their own paperwork, as if to say a roundabout figure may just apply, when credit repayment is a business of exacts. 
To reintegrate According to their paperwork the first payment is not due until XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 2021-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I initiated a XXXX transfer from my Wells Fargo account for goods and services to another XXXX member using their provided email address. Because I was using XXXX directly from my Wells Fargo app I assumed they would provide some sort of buyer protection for members using the service to complete legal and normal purchases and transactions. 
Wells Fargo includes the XXXX service directly from their website and app but is unwilling to reimburse banking members for money lost due to scams or unrecoverable goods.

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 2020-02-08
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:
Equifax is listing an item on my credit report that is approx. {$8000.00} that has been previously disputed as identity theft. I have sent several police reports to Equifax to prove that I am a victim of a wide range of identity theft but they refuse to remove the item by my verbal request and by reviewing the police reports I have sent in.

Company response to consumer: Closed with explanation