BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
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: Information belongs to someone else

Complaint:
FCRA Violation; Not mine; Names, address, and accounts:


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, LA XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX
Account type
Debt Buyer
Responsibility
Individual
Date opened
XXXX

Account name
XXXX XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened
XXXX

Account name
XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never late:

Account name
XXXX XXXX
Account number XXXX
Account type
Auto Loan
Responsibility
Individual
Date opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Orions Management Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a notification a derogatory account was reported on my XXXX consumer file. I contacted the company to inquire about this account due to the fact the account in question was disputed through credit bureau bureau from XXXX to XXXX. Orion was unable to resolve. 

I did not authorize XXXX to sell my personal information to Orion 's agency as a term or condition on or before XX/XX/XXXX. 

I had no knowledge of this account created by and between XXXX XXXX and Orion against a crime victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX  with no successful resolution. XXXX  and TransUnion only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. 

After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. 

About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with Transunion amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

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 2019-04-03
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My complaint is about 2 XXXX banks that are allowing international scammers to launder the proceeds of crime through the banks. My bank in the XXXX has informed me these banks are aware these people have used these accounts to steal other peoples money and yet still allowed this to happen to me. The banks in question are : 1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX California CA XXXX. 2 fraudulent transactions were processed through this bank. 

a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00} XXXX bank XXXX XXXX XXXX XXXX California CA XXXX. XXXX transaction through this bank. 

a ) XXXX XX/XX/2017 {$10000.00} I need this investigated please and require a refund in full from these banks for allowing illegal activity to proceed.

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 2019-04-03
Company: Consumer Portfolio Services, Inc.
State: NY
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: Old information reappears or never goes away

Complaint:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am on income based repayment ( IBR ) with a payment of {$190.00} per month. There was a one month delay in re-certifying my IBR payment so my monthly payment went to {$490.00}, about 2.5 times a normal monthly payment as defined by my income guidelines. I have asked to deffer/forbear or any other type of relief in regards to the one month payment of {$500.00}. I have been told I can not and must pay the {$500.00} in addition to my monthly payments or default ( over {$700.00} ). I have been making IBR payments for 10 years and now I risk on defaulting because of the additional {$500.00}. please help. 
My servicer is Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Public record information inaccurate

Complaint:
I have been recently denied or not approved for two rental units in the past month, the most recent application was on XX/XX/2019 for {$65.00} via a computer application called XXXX or Transunion Smart Move. I requested my background check report from both entities and associated third-party " background check '' or tenant screening services. Regarding my application on XX/XX/2019, I obtained something titled an " Eviction Report '' from one of those companies, Transunion Rental Screening Solutions, Inc. I found that this report is wholly incorrect as to the public information contained within ; the report lists one public record, an eviction, that does not even exist, and it lists the SAME one eviction case I do have on my record, three separate times with the same case number, amount owed, etc .... so, instead of the one item that should be on the report, instead it looks as if I have FOUR evictions on my record! I have attempted to contact the company for advisement on how to correct and I have been in an endless loop of transfers to different departments

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 2018-01-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did in fact witness a wrongful attempt to collect funds in the amount of {$9000.00} on XXXX XXXX 2016. The Original creditor of this dispute is XXXX XXXX XXXX XXXX XXXX, which have been turned over to recent collection agency by the name of I.Q.Data International , Inc. Furthermore, I have never lived or signed a lease agreement in the state of California. This is simply a mistake or failure to identify the proper debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I have been banking for XXXX century. I have used many different banks in different states and different countries. Never has a banking experience domestic or abroad, resulted in the police calling me. 

Today at approximately XXXX I made an impromptu stop Citizen 's Bank XXXX XXXX XXXX I needed cash and didn't want to go to XXXX XXXX XXXXXXXX which was further away. I intentionally do not carry a debit card for all of accounts. Citizen 's is one of those accounts. This has never been a problem at any location I have gone to. In fact, I rarely use my local branch where I opened the account, and when I do use them, I only use an ID. My experiences with using the ID has NEVER been met with the bias I experienced today. 

I presented my ID to XXXX. I explained I didn't have my debit card, and wanted to make a withdrawal. I told her I had XXXX accounts, and I wanted to check on the balance before decdeing how much to remove. I infomed her that XXXX balance was {$2400.00}, but I wasn't sure about the other. She looked at my lines and stated, " People from XXXX do not usually make withdrawals in XXXX. Are you conducting business in the area? '' Never has my address been an issue in any bank outside of my residence. Why was this a sudden pre-requisite. 

She proceeded to ask me question following " policy '' to protect my account. The questions seemed endless : XXXX. When was the last deposit, who made the deposit, what was the amount, where did I open the account, address of where the account was opened .... 

I stated this was excessive and I felt this was clear profiling. This was a new experience and unsettling experience. Rather than withdraw I was shutting down my account. She would not cooperate. I went to the manager. I was irate. I stated I would not leave without my money. If you refuse, feel free to call the police. 

HE DID. 

They came. This made me more irate. 

He still would not shut down my account. 

He did ask me more questions : Last 4 digits of my SS, middle name... 

He still would not give me my money. I spoke with him afterwards and he had the audacity to say he wanted to preserve the relationship. 

This was a crazy encounter. Bias was obvious from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXX I sent Equifax their download form, a letter, all documents they requested and then some specifically telling them to PERMANENTLY lift a freeze I had. They then refused demanding the exact same things I sent them. I am trying to buy a car because I was in an accident and they are preventing me from going to buy a car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX received letter from XXXX XXXX our account was sold to Midland Credit Center for nonpayment XX/XX/XXXX @ XXXX XX/XX/XXXX spk/w XXXX to explain problem XXXX XX/XX/XXXXspk/w XXXX re same as above XXXX XX/XX/XXXX spk/w XXXX re same XXXX XXXX  spk/w XXXX XXXX XXXX re same XXXX XXXX  spk/w XXXX   XXXX XXXX Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call  ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from Midland Credit Management. Also sent CEOs of XXXX XXXX and XXXX a letter describing our plight. Received calls from both. Described plight again. XXXX said bill returned by USPS unknown at address. When asked what was purchased, XXXX said no. When asked if we could see the returned envelope, XXXX XXXX  XX/XX/XXXX again said no. XXXX  also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from XXXX stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Midland Credit Management filed a petition ( law suit ) in the XXXX County Texas county court, claiming I owed a debt to " XXXX ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX Midland Credit Management filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

Midland Credit Management is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice that my mortgage had been transferred. I received a 7 page mailing. My mortgage was auto paid and I did not understand that the actual payment location had changed as well. I continued to make my mortgage payments though the auto payment system. At no time was I ever contacted or informed that there was any issues with the payments. 

On XX/XX/XXXX I received a letter from my original lender stating that my XX/XX/XXXX payment was returned and they would no longer accept payments. On XX/XX/XXXX I received a late notice from the new lender stating that late charges were assessed to my account. After I called and verified the account I paid the lender immediately ( XX/XX/XXXX ). 

Evidently the payments were being forwarded from one lender to the other and I was never contacted or informed that there was any issue with the payment or the transfer process until XX/XX/XXXX after the 60 day grace period was over. This notice should have came before that so I could have cured the issue and avoided these fees. 

I contacted both lenders several times and explained that I paid the mortgage on time and in good faith, that is was returned and that I disputed these charges. Their response was disappointing. They claimed that they had no duty to inform or contact my at any time as to the payments or issues with the transfer of the loan. 

I believe that both lenders has a duty to keep me informed during the transfer of any and all issues that may affect the standing of the loan. They should have a duty to make both live contact and written correspondence of these actions and let me know what is needed to remedy them. They should have process in place to deal with the situation of delinquent payments AND payments being forwarded during a transfer. They did not make any contact with my during the first 60 days of the transfer and was to their advantage. I would have been a simple fix had I received this same information in advance. 

The lenders failed to keep me informed, took actions without keeping me informed and only after the 60 day period was over did they contact me about the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have challenged address on my report that doesnt belong to me and they have refused to take them off 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 non-monetary relief
Consumer complaint received 2019-07-19
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: Account status incorrect

Complaint:
I paid XXXX  XXXX for a past due bill in the amount of {$400.00}. I paid them in 2015 IN FULL. This was not part of a bankruptcy and yet XXXX XXXX  is still reporting this as a charge off. I have spoken with XXXX XXXX several times and have faxed them copies of the front and back of the check to prove it was cashed by them and they have done nothing. 

I finally filed a dispute with experian, XXXX, and XXXX. XXXX and XXXX   removed it immediately, yet experian will only go off of what XXXX XXXX is telling them. 

I am so frustrated and don't know what to do. I have worked very hard to improve my credit and reputation and am getting no where with this one little charge of {$400.00}. I have a copy of the check. 

I would like the charge off to be removed and for this to be shown as paid. 

Thank you so much!

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 2018-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The problem is with tjx Visa card under XXXX XXXX First the  represanative are rude unwilling to do anything when I talk to them it feels like I am talking to the robot Michine. 
They also tread the customer like a criminal. 
Second their automative is very XXXX doesnt respond correctly and doesnt understand me when I want to make a payment and payment through customer service they charge {$10.00} My XXXX statements didnt get to me snd my XXXX statements my neighbors brought it to me which I assume my XXXX statements also was put on the wrong address. The mail man make this mistake sometimes if he doesnt pay attention because there are at least 15 21 in this  community but under different street name The credit card charged me {$25.00} and {$35.00} Is this ok??????? 
Or its high way rubbery {$60.00} Just late fee Third problem is there are charges to my account thats not mine and it should be disputed and diducted from my account. 
Charges are from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief