BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXXXXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file this complaint because Equifax & XXXX have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, EmploymenXXXX and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was being blackmailed over the internet by a person named XXXX from the XXXX threatening to send indecent photos of myself after posing as someone else from a dating serviced called XXXX XXXX XXXX  I was forced to send {$1400.00} over the course of 3 transfers over a service company called TransferWise LTD ( or Wise in short ). In the height of this incident I drove down to my local police department to open case as I was being blackmailed. I reached out to my bank afterwards to put a stop on these transfers because they were incriminating and were able to not transfer the dollars via Wise. Wise the company have since been threatening me about these transfers saying they'll send me to collections. In light of this I not only have a full address of this person but also evidence of he/she saying this is blackmail specifically. I am shock after communicating my circumstances I was still told to pay. At the same time I'm being collateral damage/scapegoated after a traumatic event I personally had to experience on my own. Attached are documents for proof, the police case by XXXX Police Department ( XXXX XXXX  ) and a complaint sent to the state of NJ Department of Banking and Insurance. Please see the address below to this individual from the XXXX. Thank you! 

XXXX Address : Project XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-11-10
Company: EQUIFAX, INC.
State: VA
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 try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Continuing issue # XXXX. 
I have been looking at the documents you gave me and I signed, there is nothing mentioning that you can : - Tell me that you will take two days day to check the funds.

- After two days : Fully deposit the money into my account while sending no message that you still process the fund availability.

- After 2.5 days : Retake the money due to amount insufficiency. 

I believe the way you dealt with this made me lose {$2800.00} and I want you to fix your mistake. I am a student and this amount of money is too much for me, so please fix your mistake as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Baker Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MI
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 wrote two letters to Experian to look into the issues that are on 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 2021-11-10
Company: CAVALRY INVESTMENTS, LLC
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Calvary Portfolio Serv XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.

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 2019-06-29
Company: Security Credit Services, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, upon checking my credit files I saw I have a collection account with Security Credit Services LL and it said the original creditor is XXXX XXXX ( both companies I do not know nor heard of ), I reached out to all 3 credit bureaus ( certified returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by this collection company and to reached Security Credit Services LLC directly if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with any of them, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file and this is what I found, now I have to litigate this knowing I have never opened any type of account with them. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 30 days, nothing at all. I want this deleted from all my credit files please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: GAMACHE & MYERS, PC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collected lawyers trying to sue over an old debt around {$14000.00} from several years ago. I believe the year was 2016. Sending direct letters to judge requesting a final hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Sent a payment of {$40.00} on Cash App to $ XXXX on XX/XX/20. Did not receive merchandise from seller. I emailed Cash App support for a refund/cancel payment. A refund could not be granted since the merchant already accepted payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Equifax to comply with 30 day investigation law. I would like these erroneous accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services has been unable to locate my student loan payments that I made through wage garnishment and tax return withholdings. I defaulted in XXXX. I paid {$510.00} every month from XXXX to XXXX. I took the loan out of default in XXXX. American Educational Services has no information about all the payments I made during those 15 years. I have saved pay stubs from my employer but no idea where the money went. Please help me. 20+ years and I still owe {$25000.00} more than I originally borrowed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I've been attempting to resolve an issue pertaining to a fraud check, the item was issued to myself on or around XX/XX/XXXX, the amount of {$5100.00}. The check was intercepted by another party, signed and cashed in my name, no funds received from it. An affidavit was filled out and sent in along with check copy, I've attempted numerous times to resolve issue with Wells Fargo, the last information I have is the funds from check were credited back to Wells Fargo account check was issued from ... This information is from an XXXX at XXXX, we spoke on XX/XX/XXXX, she stated the credit was made on XXXX back to Wells Fargo. The claim number is XXXX. Ive since attempted to find out if and when check will be reissued, I've called several numbers ranging from the executive office phone bank, customer service, as well as research number at XXXX. It appears Wells Fargo will not reissue check, there may be an underlying issue I am not aware of. I've filed past CFPB complaints about this issue, Wells Fargo reps provide a general from reply which does not address issue. The from reply states in part, " Numerous attempts to address concerns, exhausted all resources '' I will again assure the CFPB this is first off, a form reply ... .Second, it is a lie, there have been no such attempts such as reaching out by phone, email or otherwise to reach me to resolve issues. If there were such attempts, they would be noted and they are not..

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