BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EOS Holdings, Inc.
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on EOS CCA ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: FL
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:
Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Ascendium Education Group
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX-SS was garnished for approximately {$420.00} for a student loan they claimed I took out wit an electric signature in XXXX. I had never received a bill until XXXX. That was 13 tears after I supposedly took out the loan. I filed bankruptcy in XXXX and this loan DID NOT show up on outstanding bills I owed. I began corresponding with them in writing and verbally to no avail. Im XXXX years old on a fixed income. I just went through XXXX XXXX XXXX & treatment & do not need the additional stress of my finances being taken away. I spoke with a man named XXXX & told him they could not take my SS. He said, Yes we can. We are the Federal Government and we can do anything we want. I felt hopeless and discouraged. No company or individual has this right over a consumer. What can I do. Thank you in advance for your help. My loan group number with XXXX is : XXXX. My next payment is due XXXX for {$230.00}. XXXX is also taking $ XXXXmonth for this loan to pay Ascendium, creditor # XXXX. XXXX ID # XXXX. This situation is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Wells Fargo on XX/XX/2020 because of an offer I found for a {$400.00} bonus when I received {$4000.00} of direct deposits within 90 days. I switched my paycheck so that it would be deposited into the new account, and I received {$4700.00} in total direct deposits to the account, with the most recent one posting on XX/XX/2020, which is before the 90 day deadline. Wells Fargo closed my account without my knowledge on XX/XX/2020. I did not ask them to do this, and they did not ask me before doing it. I sent them an online message on XX/XX/2020 asking for an explanation about why they closed the account and informing them that I met the requirements for the bonus and would like it paid to me. I have not received a response. 

From my perspective, it appears that Wells Fargo decided to close my account specifically to avoid paying me the bonus they owe me.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The were several situations where there was unauthorized use of my account and they basically said oh well and it cost me my money and my account being charged along with me still owing a balance to Wells Fargo and my account being closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted by portfolio recovery on a debt that XXXX XXXX sold them but has already been paid! Basically XXXX XXXX just scammed them! Im sure it was a mistake but I just want this corrected before Portfolia recovery tries to put this on my credit! A written correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to dispute something on my credit report and when I went to my account it said I had to call Equifax. I have called several times and got to a human being once who, after verifying myself and gave the correct code, refused to help and then sent me back to the main menu where I spent 20 minutes trying to get past the automated system that kept saying it did not understand me and kept looping me back to insert your social security number. By the time I got through they were closed. I am tired of dealing with all the credit bureaus because all they do is leak peoples ' personal information and have XXXX security and are on the news constantly about this being hacked and that being leaked. They all need to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Bread Financial Holdings, Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i had disputed some personal information a few weeks later they granted and reassured me that the information would be deleted week after that the information was still on my report and they told me that when they do an investigation on fraudulent accounts they do not inquire or request additional documentation or information so there for i believe that to be hearsay information received from other people that one can not adequately substantiate other words a rumor discrediting degrading defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I ran into a hardship and SPS modified my loan. I paid the modified payment until the pandemic hit in XXXX, XXXX. I called and asked for assistance. I received a lowered payment of {$380.00} for 3 months. I then sent in bank statements and proof I was receiving unemployment ( I am in Florida, unemployment caps at {$270.00} week ). I sent in my bank statements showing the deposits from unemployment and my unemployment paperwork. I then received an offer for a repayment plan with payments of {$3400.00}. I was only receiving a total of XXXX XXXX monthly and there is no way I could pay the amount they were asking for. I then sent in an application for a modification and was told I could not get a modification because I refused an earlier offer. The only offer I ever refused was the repayment plan and it is because I could not afford it. I feel as though this is unfair. I defaulted only because of the pandemic and I would like assistance as everything was out of my control. Now, I have been through a pandemic, lost my job and now am at risk of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX. He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX  XXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: OCEANFIRST FINANCIAL CORP.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my OceanFirst Bank account to fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive repeated calls on XX/XX/2020, XX/XX/2020 and XX/XX/2020, as well as earlier in the year, looking for a person that does not and never has resided at my address. They use an automated system with the option for reporting a wrong number and to be removed from the call list but that has not happened. I have contacted a live human and told them this information but the call continue. Please make the calls stop. To help expedite the processing of this, you need not contact me about it. I appreciate any help you can give to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sir/Maam, Good afternoon, we are submitting a fraud complaint on an account that was opened illegally and we are not receiving ANY assistance with Transworld Collection Agency. We have called them several times for the fraud packet and they still havent sent one to us and we have provided our address several times. The collection agency is contracted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 

The first phone call to the debt collector was on XX/XX/XXXX ( XXXX ) and we told them that it was fraudulent account and we would like to resolve it and get back our federal income tax that was applied to the debt. After the last phone on XX/XX/XXXX they said they will mail a fraud kit out residence and it should take a few days. We immediately went to the police department and filed a police report of the fraud. Over a month goes by and no " fraud kit ''. Around XX/XX/XXXX we get a letter from Transworld thinking it was the kit, unfortunately it wasn't. It was actually a statement from XXXX with the statement and balance of the account and they want us to sign and agree that the balance owned is in fact true and we agree to it ; that is completely ILLEGAL and not what we spoke about on XX/XX/XXXX. 

On XX/XX/2020 I called XXXX four times and I specifically asked for a supervisor/manager and the first representative said she will transfer me and all I got was " the number you have dialed is not in service ''. I called again with little to no assistance. The last call I was provided a number for Mr. XXXX XXXX at ( XXXX )  XXXX and I left a message to call me back ASAP ; it's XX/XX/XXXX and no phone call back from Mr. XXXX. 


At the end of the day we just want to file a fraud report, get our names from this account and get back our federal tax return. This particular fraud is hurting us financially and also affecting jobs. Below are some details about the account. 

Account # : XXXX Open Date : XXXX XX/XX/XXXX Online Balance Owed : {$7600.00} Address used to open/mailing : XXXX XXXX XXXX XXXX XXXX, NM Last Payment : XXXX XX/XX/XXXX Sent to Collection : XXXX XX/XX/XXXX Filed police report with XXXX XXXX XXXX, NM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit card taken out in my name with XXXX XXXX. I notified them I did not request this credit card ( which had already been used to buy {$6800.00} at a jewelry store in XXXX  FL ). They cancelled the card, and suggested I check with the credit reporting agencies. 
I saw the mistaken card on my Equifax report. I filed a dispute with them. I received an email saying my dispute has been resolved and giving me a confirmation # of XXXX. This was three weeks ago. Every time I try to log in to see the results, it says " This service temporarily unavailable, please try later ''. I have tried dozens of times. 
I called the customer service number XXXX. I give them my information and they tell me they can not verify my identity from my answers to the " security questions '', despite the fact that I answer them absolutely correctly. I have done this 4 times, always someone in the XXXX .... They end up telling me I need to send a letter to Equifax with copies of my email, passport, birth certificate and social security card. But they can't/wo n't give me an address. This is ridiculous! 
I'm the one who had my identity stolen, and this companies website, online chat assistance, and telephone customer service are all ineffectual. 
I have sent emails to Corporate complaining but have received no response. 
Meanwhile, they keep sending emails asking why I haven't checked the result of my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 i got an alert on my credit report that nationwide recovery system is trying to collect a debt that i have no knowledge of any agreement with them nor have i signed any contract with them nor there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: NY
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:
I have tried to work this matter out since XX/XX/2019. I filled my original complaint on XX/XX/2019 case # XXXX. XXXX and XXXX  were unable to verify the accounts and removed the identity theft. Equifax removed all but to items and closed the case stating they verified them. But, once again I ask, how can they verify them and the other two bureaus couldn't? They clearly stated that they were sending a electronic message to the unknown creditors. Which is not a investigation per FCRA and unacceptable! 
I then filed a complaint regarding the investigation process and the verification and request that the proof be provided to me, per my legal FCRA RIGHTS! On XX/XX/2019 and Equifax closed the case as a duplicate complaint on XX/XX/2019. Because of the questions I directed to them and the documents I requested. 

I filed a new complaint on XX/XX/2019 with the exact same details regarding the investigation process results, verification and proof of the verification documents and stated that the 1st complaint regarding the investigation was being swept under the rug by Equifax and they were trying to disregard the complaint, because I asked for the proof! That filing was # XXXX and I received a update that it would be another 60 days and they were sending out a electronic request. 

Which is the same thing, they aren't doing a investigation and if Equifax just completed and verified the accounts. Why can't I get the proof positive i.e original document with wet signatures binding me to the debt? If they did the 1st investigation, the documents should be on hand and very easy to mail out the documents and this case is closed! But they do not have them nor have they ever had them and are playing cat and mouse with me verses being a honest company and abiding by the LAW! 

I came to the CFPB for assistance, I understand you can't act as a attorney for me, but you can ask the question where are the documents, if you verified the accounts and why is it that the documents can't be release right away, as you have a copy of them. If you verified the accounts! 

This is well after the 30 day mark, before the 1st complaint was closed out verified. That is a removal in itself and Then a closed out complaint as duplicate and now the new complaint has received the same generic response of working on it 60 days!!! 

I am not going away and using these filings for my civil law suite case. As documented proof that Equifax has violated all of my rights, entitled to me in the process and I will request financial damages, if this matter in now cleared up right away. This is my last complaint, my next complaint will be in Local, State or Federal once I decide which court offers me the greatest victory and has the proper jurisdication. 

I have been more the patient and fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I filed for unemployment and I have not received a card. Im assuming because I had a cards years ago but can not find it. Noway to get a person on the phone to order one. XXXX does not allow me to go through without the actual card number. Whom which I do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX   XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX   XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX  report and now they have added it back to my XXXX report and my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The apple card doesnt allow for any customer authorized data sharing. So I am unable to import it into my bugdeting programs without manually entering each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of 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