BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.

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 2017-07-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010,  the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Kross, Lieberman & Stone, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.

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 2017-09-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit profile shows 30 days late 60 days late incorrectly.

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 2022-04-27
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019

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 2022-04-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An accordance with the fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated rights. 

15 U.S.C 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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:
I notified XXXX  credit card department, run by XXXX XXXX  of fraudulent charges made in XX/XX/XXXX. I received an e-mail confirmation from XXXX for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XX/XX/XXXX. XX/XX/XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XX/XX/XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {$16.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$79.00} on XX/XX/XXXX Since the credit report ran on XX/XX/XXXX, when I realized there was an issue, I have spoke with XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2020-05-26
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Department of education reported to loans on my credit for the first time XXXX against the cares act and not in compliance with the XXXX XXXX guidelines for XXXX XXXX see attached I have a home loan that should have closed and now will not close because of this error before covid I9 i was already working on a repayment plan this is wrong and the account needs to be removed from my credit report because of the law all federal student loans are in deferral

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.

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 2017-09-29
Company: EQUIFAX, INC.
State: VA
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 XXXX Hard Inquiries from a XXXX XXXX XXXX Credit Card XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX respectively and I did not apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted a family member with a text message displaying personal information, AGAIN, after addressing this exact issue in XX/XX/2022, and being assured the family members phone number was removed and they would not be contacted again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1 ) XX/XX/20 debt notice due XXXX, client progressive insurance. 
2 ) XX/XX/20, paid XXXX toward balance, check # XXXX, new balance XXXX XXXX ) called and explained to me I would get payment reminders on balance, RECEIVED NOTHING 4 ) on XX/XX/20, account was reported to ALL major credit bureaus as a " delinquent collection '' account 5 ) DEMANDING THIS ACCOUNT TO BE REMOVED FROM ALL CREDIT BUREAUS AT ONCE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee. 

On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX. 

On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}. 

I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged. 

I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again. 

I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once. 

Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee. 

I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, 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 2022-04-27
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They tried to get me to verify my birthdate, my billing address and my SSN without explaining why they are calling us. 

They only give me the name of the company. I declined to verify the private information they have asked for me. 

And I have not receive any letters from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX made a stock suggestion to purchase XXXX XXXX  XXXX XXXX XXXX. He accepted a check written for 16k that was made out to XXXX XXXX. He also owed me 4K that he said he would add to that account which would be a total of 20k investment. The stick certificate he gave me looks to be false. I never received any statements of that investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX filed debt for cell phone that is not mine, sent to collection without any notification to me, Equifax will not respond to three dispute requests, starting 6 months ago. continues to list this debt on my credit report. Was removed by other reporting agency back in XXXX, Equifax removed and then relisted without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation