BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX WXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I received an email receipt that shows that I signed up for a subscription service by TransUnion for a " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I must have clicked something that did not explicitly state that I was going to be paying and continually billed {$24.00} a month. This receipt was sent on XX/XX/2020. I cancelled the subscription on XX/XX/2020. Again, it was not explicitly stated that this charge was being made to my credit card. I want confirmation that this has been cancelled.

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
Consumer complaint received 2019-04-08
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I did an online loan back in XX/XX/XXXX with XXXX XXXX for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called AD ASTRA RECOVERY SERVICE located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$830.00} the company name is Eos Cca. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received XXXX XXXX  from XXXX XXXX which I did not open but was charged for upon my termination of my services with them. Received letter stating I could avoid Exit Fees by returning XXXX XXXX  in original box in a method that provides proof of delivery to Attn : Returns XXXX XXXX XXXX XXXX, XXXX. 
I mailed the merchandise to the above address XX/XX/2019 per XXXX. It was delivered to the above address XX/XX/2019. I have receipts with tracking number and receipt of delivery. The account has since been sold to collection agency who is reporting on my credit reports. 
I attempted to speak with collection agency representative about dispute, but they were argumentative, rude, and generally, non- helpful in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: OR
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:
When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against OWEN FINANCIAL SERVICES.

Our complaint is about the equity in our house and the escrow balance showing on our monthly statement. 
We have been with OCWEN FINANCIAL SERVICES for 6 years plus. Prior to that time it was with GMAC who went bankrupt and sold the mortgage to OCWEN. Every time the mortgage was sold ( several times since we bought the house ) the equity in the house seem to disappear. We recall it being {$14000.00} at one time. Where did our money go? OCWEN FINANCIAL SERVICES says the money went for LAWYER 'S FEES and PAPERWORK. This makes no sense to us and ca n't be explained by anyone at OCWEN other than the aforementioned reason. Also, they do not speak or understand English well enough to explain anything.

We are also concerned about the Escrow amount of {$4300.00} for Insurance. We pay the House Insurance directly to the Insurance Company in full for an entire year. This is the amount OCWEN is showing as Escrow on our statement. We would like to be compensated for this amount by sending us a check or in some such manner. We are very discouraged and disgusted with OCWEN FINANCIAL SERVICES and the way they do 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 2020-05-06
Company: WELLS FARGO & COMPANY
State: TX
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 open an checking account with wells fargo last year. I used my overdraft that was a service availableto me as A checking account holder. Shortly after I miscarried and was off work for a few months. As A result I faced some finacial hardships and was unable to bring the account to A positive balance. A family member willing to help me keep the account wrote me a check to cover the over draft and I would have a few bucks left. I deposited the check and the next day I was advised by the family member they wront the check from the wrong check book and that I needed to stop the check from going threw. I contacted wells fargo and advised but XXXX of the check had already become available. The lady said it would put the account back in overdraft and that they could not reverse the check as it has already been deposited. That brought my balance to A negative XXXX or so. I went to pay this balance and reopen an account and was informed I was showing on early warning consumer report. I requested a copy and to my surprise wells fargo and has reported the account closed due to account abuse. Which was incorrect information. The account was closed due to the overdraft balance and I didnt resolve it in a timely manner due to me being off work from a XXXX. I reached out to wells fargo and was informed somebody would contact me to get this inaccurate reporting removed from early warning and allow me to pay the balance I owed. It has been over aonth and no response from neither early warning or wells fargo.

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 2019-04-08
Company: Square Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I paid someone {$300.00} dollars for an agent fee for dropping off a dog to me, so I can dog sit that dog. That dog never came. I sent them money through the CashApp on his account, XXXX. I tried disputing on Monday, XX/XX/2019, the transaction with my bank, but they said they can't do that since I gave the money to the scammer. I even tried to ask the money back from the scammer, but they declined. I feel it would be best if they would. They scammed me out of my money, and they even sent me a fake check. I didn't even know it was a fake check until I looked at it more. This transaction was completed on Friday, XX/XX/2019. I even paid them through XXXX, but they said they would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: USI Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/XXXX I received a call from USI Solutions stating that I owed money on a debt. Client : USI SOLUTIONS, INC Your Account Number : XXXX Original Creditor : XXXX CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXX I was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : USI Solutions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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 status incorrect

Complaint:
XXXX XXXX XXXX  has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.

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 2020-05-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank has recently closed my credit card accounts

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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, XXXX XXXX confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.

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 2019-04-08
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This company utterly refuses to comply with the law regarding disputes for unauthorized purchases. I contacted this company initially on XX/XX/XXXX to advise of an unauthorized purchased through XXXX XXXX ... on XX/XX/XXXX I sent these people proof not only did I not make the purchase. They blocked my card on a weekend. And I spent two hours on the phone attempting to get a supervisor. These creeps have lied about the resolution date three times. Not only have I removed my payroll proceeds from the account. They keep charging me fees for an all but closed account. They lie over and over again about the date this matter is supposed to be closed. the initial resolution date was on XX/XX/XXXX they never responded to my inquiry then the date changed from XX/XX/XXXX to XX/XX/XXXX. Now they are just not responding to my inquiries, they have not refunded my money, and are tacking on a bunch of service fees. the only reason this account hasn't been closed is that they keep dragging this matter out while charging me fees for a closed account, so even if they refund me, they have assessed fees to ensure that I won't. This is the second request and complaint, which is the only reason they pretend to reach out. they know i want this account closed yet they continue to bill unauthorized fees

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 2019-04-08
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2017, I was approved to receive {$17000.00} paid off from my student loans after applying for the XXXX XXXX Loan Forgiveness Program. I have attached the paperwork that Navient ( who was my loan company at the time Account Number : XXXX ) sent me that shows them approving my Loan Forgiveness. Last week, I found out that my loan forgiveness, {$17000.00}, was placed back on my account by my current Loan company XXXX. I have yet to receive any documentation of a clear explanation of why this has occurred, except from the person that I spoke to on the telephone at XXXX who stated that Navient made a mistake on my account and that I should have never received this amount in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital. 
Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check. 
Any body believe me. I am desperate everybody said that I can not do anything about that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: CO
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:
I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection 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 non-monetary relief
Consumer complaint received 2023-05-28
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: Account information incorrect

Complaint:
This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
I talked with Bank of America on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my XXXX report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call XXXX 's and tell them what happen but she just sent me over to XXXX 's and ended the call. 

I have been dealing with XXXX to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe Bank of America money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to 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