BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Bank of America is stating that is a " approved '' transaction when I have called multi times to retrieve my funds. Still not and they have declined the claim. I have reached out to number of different executives with no responces. I have YET to hear from the executive relations team to find a resolution to get my funds back. I have tried multi-times with no response on BOA. 

I don't understand how a company is still in business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: NC
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 sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My husband and I had a VA mortgage through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our 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 2018-07-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Communicated with discover in regards to my credit card being closed as a result of me being unable to pay due to Hurricane Irma and me being extremely sick and in and out of the hospital received a letter stating I had until XXXX to clarify such matter I had contacted them a couple days ago was told if I pay around {$140.00} that my card would at least be reinstated a credit was issued and a foregivness fee on interest they then took said payment over the phone I am now at a - {$1.00} odd credit on my balance meaning I owe nothing yet I called back up and was told my card can not be reopened I was told since this debt is now paid up I would be able to get another card by reapplying of course I said I had the secured version and I know I wouldnt be the requirements of the unsecured they proceeded to say secured cards have to be applied for online I proceeded to do so imputed my income and was then denied for said secured card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid I applied for a forbearance with my mortgage company since my husband was no longer working. It was granted. When we were ready to resume payments, I called and let them know, but they told me I had to pay the total amount upfront ( at the time about XXXX ) and I told them I couldn't afford that, but that I wanted to resume regular payments. We went in circles with them telling me I had to pay the full amount upfront, but that they would refer us to someone who could help us ; then they would hang up on us ( we have recordings of the conversations ). This went on multiple times over the course of a couple of months until my husband was finally able to speak with someone who said they would just extend the length of the mortgage for the overdue amount. We received the paperwork for this amendment, however, they blocked my online access to my account and thereby prevented me from paying my mortgage ( I have screenshots ). I managed to make 2 payments via the phone where each time I had to wait 20 minutes to speak to someone who once again told me I owed the full amount. I repeatedly called them over the next couple of months to try and get them to restore access to my on-line account so that I could pay my mortgage efficiently and timely, however they refused to re-instate it. They would hang up multiple times when I would ask to be transferred to someone who could help me. This is deceptive business practices and I do believe they want to foreclose on the house rather than resolve this issue.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not have a contract with XXXX XXXX so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Report filed with FTC for identity theft fraud report sent to reporting agencies XXXX, XXXX, and Transunion dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.

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 2023-03-21
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I opened a wise account in XXXX. I've made several International wires and when I attempted to load XXXX from my business account TO the account for another transaction the funds were held. causing significant damage to my business. 
They stated the funds would be available within 3-days then extended to the XXXX NOW the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Ascendium Education Group
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have received debt collection notices from Ascendium Education Solutions , Inc. C/O XXXX Post Claim Assistance XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, -XXXX  , PA XXXX-XXXX  and address XXXX  XXXX XXXX, XXXX, WI XXXX. The debt is for student loans paid to XXXX XXXX University. I never attended XXXX XXXXXXXX University  nor did I do a parent plus loan for anyone attending XXXX XXXX University. The debt collection notices are addressed with my maiden name that I have not used in over 33 years. 

I called XXXX in XXXX-XXXX, PA XXXX and confirmed there is no student loan debts associated with my social security number and names. I also called the Dept of Education XXXX Loan Locator dept and Dept of Education student loan servicing dept XXXX and confirmed I have no student loan debt owed to XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - XXXX XXXX file number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: GA
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 implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-06-28
Company: EQUIFAX, INC.
State: SC
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX XXXX, 2017, I opened a Credit Card with XXXX XXXX XXXX that is funded by XXXX XXXX, XXXX for {$1300.00}. I experienced economic hardship immediately after opening this account. The credit card company was not willing to work with me at all. I called numerous times to no avail in establishing some type of agreement due to my economic hardship. I am currently still experiencing economic hardship and this company still does not wish to work with me on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.

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 2022-07-25
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # 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 explanation
Consumer complaint received 2017-12-16
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Initiated a {$500.00} bill payment to Discover on XX/XX/XXXX on their app to pull from XXXX XXXX. Payment posted on XX/XX/XXXX with Discover. Was showing pending from XXXX XXXX. Payment returned some time during the night between Tues and Wed morning before I woke up. Finally got an email from Discover fri night saying your bank informed us they could not locate your account. The XXXX XXXX account has been around for several years and their bill pay has been from the same account they couldnt locate according to Discover. 
Another issue that thur. A {$400.00} bill payment to Discover over the phone from the same XXXX XXXX account was put on hold. Well another issue with giving them my money within 5 days. 
Discover is hiding behind their name and their agents canned and robotic type responses. And they make me out to be the problem? Ive never ever had a return in full of payment quite anybody unless Im returning a product. And then the hold mess too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report Immediately.

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 2022-10-25
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a wire transfer from a client for the buy of my old truck of the amount of XXXX on the date of XX/XX/2022 After that I was using my money and then 2 weeks later they block my account and they say the wire is not good but I have the receipt and everything from the customer

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