BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws. I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. XXXX XXXX has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX  and XXXX refuses to remove this debt knowing it is not valid.Also, XXXX does not have the consent of XXXX XXXX XXXX to report this debt.

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 2020-12-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Experian Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.

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 2019-11-08
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid a debt through GC Services Limited Partnership in the amount of {$500.00} to the XXXX XXXX - XXXX. That was over 8 years ago. Today, XX/XX/XXXX, I receive a letter, dated XX/XX/XXXX, stating that debt is delinquent. Isn't there a statute of limitations of 4 years? How many people are being asked to pay an 8 year old debt? How many people can prove they paid that 8 year old debt? This seems highly unethical. The letter is threatening, stating, " You have 30 days to voluntarily pay ... .before we submit your account to the XXXX XXXX XXXX ( XXXX ) for interagency intercept collections. 

GC Services Limited Partnership XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got temporarily laid off from my job back in XXXX due to the COVID-19 pandemic. I tried to file for unemployment however due to my out of  state income I have to call to finish my claim. I have attempted to call for months however am unable to get through. In XXXX my car loan company ( Global Lending Services ) gave me a payment deferral for the month of XXXX. Towards the end of XXXX they told me I would need to call in the beginning of May to get another deferral if my situation was the same. My situation is still the same and I called and they said they would not give me another deferral. I begged them and explained my situation however they would not work with me and said that I had to pay. I paid them XXXX dollars which was the very last bit of money I had to survive off of. They still are telling me I need to pay the rest by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Waypoint Resource Group, LLC
State: FL
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:
In mars Im found out I have XXXX $ in my credit report for XXXX XXXX now change in XXXX the name in chapter XXXX XXXX I was call the first number they can fount nothing in my name I call XXXX they cant found nothing in my name I told them try my social security they told me they found I have a all account in my social security in different name I try to talk to them to told me I have to pay for that bill I have XXXX   XXXX in past but I was returning the equipment in pay I told them to found in different office for my payment they said to me I have to done that by my self

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into a branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX, a teller told me to insert my card and input my pin, which i did, she then asked for my i.d, which i gave to her, then stated she needed to ask some security questions last 4 of social, address and email, i gave her my social and address and stated to her my email was my first and last name XXXX said then indicated that my email was wrong she then told me to log into my mobile account which i indicated to her that my phone was in the car and that i never herd of a teller asking for anyone to log into a mobile account. i then asked for my card back and just used the ATM to withdraw some funds. i then left the branch later to see that she in fact had my account suspended i called the number on the alert and had the suspension removed and at that time initiated a complaint against her because she profiled me wrongly cause i was XXXX wearing a baseball cap. capital one 's office of the president also indicated that she had no right to ask the things she did and that a i.d was all was needed to withdraw my funds, her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Bluebird through American Express ( Amex ) sent me an email with no actual evidence or detail as to why my account was permanently suspended they said that I had to mail a letter asking why the terms and agreement was violated as well as ask them to refund all the direct deposits which is all of my unemployment insurance benefits which help with food clothing and housing and Im XXXX  without it and they wont get give me any details as to why, I sent the letter not to long ago and am waiting for a response as the email came out of nowhere and Id only use the card to collect unemployment insurance and spend on hotel, food and other crucial things. No one has access to the card but me and I had a bit over XXXX on it last use so no this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Information belongs to someone else

Complaint:
There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken Toto assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called Equifax to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to  access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On Tuesday XX/XX/2021, Wells Fargo received my second Cease & Desist letter for the fraudulent loan they have in my name. Pursuant to 12 usc 1431 the bank got the loan and the Promissory note but furnished a deceptive form to make me think that the debt was mine, when I only came for credit.

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 2018-03-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have reported on my consumers report two unknown evictions

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 2020-05-20
Company: TD BANK US HOLDING COMPANY
State: NY
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 paid for a vacation thru XXXXXXXX in XXXX. I made two payments of {$830.00} then XX/XX/XXXX i canceled due to covid 19 n me being pregnant. I was supposed to get the money back in my TD checking account by XX/XX/XXXX which i didnt. Plus two American airline flight credits for {$450.00} each. I contacted american airlines and the said my credits werent valid. I went on XXXX to see it says for refund contact your bank for your options which i did and disputed the charges, faxed them proof of purchase for vacation, proof of my cancellation, proof i was supposed to receive my refund by the XXXX, emails from XXXX XXXX that says these credits arent valid. TD Bank denied my dispute three times for a total of {$1600.00} and keep telling me to resolve this directly with XXXX. Its not possible the website is shutdown the phones are off the emails get sent back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My checking and savings account had overdraft fees multiple times and transactions were still going through after closing my account.

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 2019-03-10
Company: Experian Information Solutions 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Company : XXXX XXXX   Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX   XXXX XXXX XXXX  Account # : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX  XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXXBalance : {$1100.00} Company : XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX Account # :XX/XX/XXXXDate OpenXX/XX/XXXX Balance : {$6100.00} Company : XX/XX/XXXXXX/XX/XXXX Account # :XX/XX/XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

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 2021-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi,I recently discovered that my bank, USAA placed a hold on all of my checking accounts for varying amounts of money due to the fact that the state of Virginia placed a incorrect funds hold. The state of Virginia believed that I owed back taxes for 2015 but they were incorrect because I did not live in Virginia in 2015 then or now. I was required to fax my tax documents to the state of Virginia in order for them to removed the hold on my accounts. Once, the hold was removed, I discovered my bank USAA had charged me XXXX fee for legal services rendered. I feel this is an unfair and unjust charge as I did not owe back taxes to the state of Virginia, therefore, should not owe XXXX. I disputed the charge with no success because they stated its their policy and will not budge under any circumstances.This fee seems more like a scam between banks and the state. The state falsely places a hold on someone’s account and when rightfully disputed, they release the funds but the bank unfairly profits. This scam could have attacked hundreds to thousands of people creating a significant source of income for a bank. How a bank can justify its use in fees in beyond me in this case.Is there any legality to these ‘legal fees’? Is there any process that I can take on to get this investigated in an official capacity? What is my recourse for this?I appreciate any help that you can give at this time.Thanks,XXXX XXXX

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 2020-10-19
Company: Bernhardt and Strawser, P.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I respectfully ask that the CFPB supervise my dispute with this debt collector. 

On XX/XX/2020 I received a letter from Bernhardt & Strawer regarding an alleged debt. In response, I sent a certified letter ( rec'd/signed for on XX/XX/2020 ) stating no agreement would be considered as my position had been stated clearly in previous communication with their alleged client. However, I presented my position in the same manner and requested evidence that Bernhardt & Strawser, P.A. has legal standing to collect on this alleged debt. In a letter dated XX/XX/2020 they failed to comply with this request, instead sent unauthenticated computerized copied billing statements along with generic terms and conditions. 

On XX/XX/2020 I sent another certified letter ( rec'd/signed for on XX/XX/2020 ) advising how their claim would not be considered because they cant demand monies for an alleged debt for which no proof of ownership has been verified or exhibited. 

In response, Bernhardt & Strawer sent another letter dated XX/XX/2020 with the same information as their XX/XX/2020 letter ; along with the same unauthenticated computerized copied billing statements and generic terms and conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX  is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX  XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 2020-02-27
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for my home in Maryland with RoundPoint Mortgage Servicing. 

On XX/XX/XXXX, {$100.00} was deposited in my Escrow account as " Interest on Escrow. '' In XX/XX/XXXX, I received a 1099INT form from my mortgage holder confirming showing {$100.00} interest earned on my escrow account. Given receipt of this 1099INT form and confirmation in my online account information, I included this interest income when I filed my calendar-year XXXX taxes and thus paid taxes on this income. 

While checking my mortgage status in XXXX, I noticed that a debit had been made from my escrow account on XX/XX/XXXX, marked as a " Miscellaneous Disbursement, '' in the amount of {$100.00}, with no other explanation for this debit. 

I called the mortgage servicer on XX/XX/XXXX to ask for an explanation. Their phone representative said that the interest payment of {$100.00} on XX/XX/XXXX was " an erroneous deposit for Maryland mortgages '' and was thus deducted from my escrow balance. No other explanation has been offered. In XXXX ( the year my mortgage originated ), I was paid interest on escrow, and there was no indication that I would not be paid interest in XXXX. According to Maryland Code 12-109, interest shall be paid on escrow accounts. 

The servicer seems to imply that the interest on escrow was a mistake, even though a 1099INT form was issued. There has been no other communication from the servicer that I should either ignore the 1099INT form or that interest may or will not be paid in the future. 

This could result in large overpayment of taxes by anyone with a mortgage with this servicer, as receipt of a 1099INT form means the filer has to include that income in his/her tax forms.

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 2018-10-03
Company: Leaders Financial Company
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe

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