BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Equifax there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership on XX/XX/19 and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. OnXX/XX/2019, I wrote to Equifax advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX-XXXX-XXXX-XXXX-XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX  ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX   XXXX XXXX XXXX XXXX XXXX, DE 19850 ( XXXX ) XXXX XXXX XXXX Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: Velocity Portfolio Group
State: NV
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:
XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

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 2018-04-26
Company: EQUIFAX, INC.
State: TN
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 contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: GA
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:
Hello, its been past 30 days and I have yet to receive valid response on my dispute. I want to know who verified the debt. By law in 30 days with no response debt should be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a representative of William and fudge, XXXX, in XX/XX/2018 about a so-called school debt. He demanded immediate payment. I requested to have proof of the debt and he was unable to do so till this date. He only could articulate {$5100.00} and stated that's an amount that the school sent to him. My school loan balance is XXXX. It's an extra 26.58 % of the amount of the school loan balance if it is indeed that school. This is a criminally usurious misdemeanor according to Florida Usary law. Also, they are in violation of the FDCPA : The debt was disputed and was never proven- William and Fudge is using unfair practices ( collecting extra amounts ) and harassing phone calls.. 
I was not allowed to satisfy the supposed school loan balance after I am given proof or breakdown of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: DigniFi
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX XXXX XXXX girl or a mosquito. I was also called a XXXX and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Schiller & Knapp, LLP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Bank assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman XXXX XXXX XXXX, and was co signed by a man ( XXXX. ). XXXX XXXX XXXX Bank did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX Bank is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.

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 2017-11-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I applied for a forbearance with mr. Cooper. I was informed which documents were required. At the time of my application I was on short term XXXX due to a medical condition. My income from the XXXX was significantly less than my salary. All necessary documentation was provided and the evaluation was not completed. As a result I was instructed to resubmit my application because the documentation had expired. XX/XX/XXXX I resubmitted my documentation at this time my short-term XXXX had ended and I was laid off from my employer. Mr. Cooper instructed that I provide evidence income received prior to the short-term XXXX. After stating that I was no longer employed and did not have access to the electronic pay stubs I was instructed in XXXX to provide evidence via bank statements and direct deposits received from my previous employer. I provided the bank statements as instructed, in XX/XX/XXXX. On two occasions during the month of XXXX to representatives from Mr. Cooper informed me that I had a complete package which is pending underwriter review. During the one phone call on approximately XX/XX/XXXX the representative stated that I had a complete package he saw all of the documentation and agreed that the bank statements reflecting the income was sufficient and for me to IGNORE any future request to validate my income as well as ignore the status on the mr. Cooper portal instructing me to submit additional documentation. 

As I am waiting for my package to be evaluated I was contacted and told that the prior agents provided me with incorrect information and that I needed to contact my employer and obtain pay stubs. My complaint is that I have been attempting to obtain a forbearance since XX/XX/XXXX it is now XX/XX/XXXX and I believe that I am being withheld from obtaining a 6-month forbearance which is a program offered by FHA and furthermore my credit is being significantly impacted by reflecting a delinquent status versus a status of being on a government program. I am asking that copy of conversations be retrieved as I am trying my best to save my home but I'm not getting the proper cooperation from mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2019, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Transunion there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/2019, I wrote to Transunion advising of this issue with the creditors and have the tracking numbers for it to monitor. TU Tracking : XXXX, they received it on XX/XX/19 and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/19 and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had ZERO unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.

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 2018-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XXXX, Bank of America sent out two promotional balance offers. One was a 0 % interest rate balance transfer good through XX/XX/XXXX and the other was a 1.5 % balance transfer good through a certain date. I used the 0 % offer check for {$30000.00} to cover repair costs for a XX/XX/XXXX flood that is currently on my home equity line of credit. 

I accessed my online Bank of America account on XX/XX/XXXX to discover a {$1200.00} check transaction charge. After calling Bank of America 's customer service number, the agent explained that a 4 %, or {$1200.00}, transaction fee was assessed for this balance transfer. In order for Bank of America to reverse the 4 % transaction fee, I had to pay the {$30000.00} transfer back today, which I have done. I will have to call back tomorrow after the payment posts to ensure that the transaction fee is reversed. 

This offer is predatory and misleading to consumers. Most people who take advantage of these offers will not be able to pay back the loan immediately and are assessed a fee higher than the typical credit card transaction fee, which typically average 3 %. Please make sure that consumers are protected from false advertising on balance transfers.

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 2020-05-05
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft. This student loan doesn't not belong to me. I have filed a police report concerning this matter Case number XXXX. I submitted this information & haven't got any resolution to it.

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 2019-04-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company refuses to increase credit limit, their reps provide misinformation and constantly give customers the " run around ''. Very poor customer service

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 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This case revolves around capital one credit card mishandling of my file. Last year I got into a business dealing with a merchant. That merchant did not fulfill their side of the bargain, which prompted me to inquire about my money back. That transaction was paid with my Capital one Credit card. I let Capital one know of the issue by originally filing a fraud case. One of Capital One 's fraud XXXX reaches out to me and advised me to deposit a check sent by the merchant many weeks after the altercation. I kept a check sent to me by the merchant with no intentions of cashing as I had already had the charges reversed by Capital One.Upon the advice of the Capital one representative, I go cash the check and accept the resolution offered by the representative. However, the check was stopped by the merchant and left me with a balance that I am responsible for. I called Capital One to let them know and they said they would dispute it if a response letter was written to the letter they intended on sending me. Once I received the letter, I quickly responded with a letter and supporting evidence. Capital One call me back weeks after receiving my application on XX/XX/2018 to tell me my claim was denied because I didn't get documents to them. Moreover, they won't take responsibility for the counsel given by their representative to deposit the check which led to other fees accruing because of the stop Pay. I spoke with Representative ( # XXXX ) and he stressed to me that they were out of time to retrieve the funds and that I should have sent them everything. My response was, this case has been on the table since last year, I have sent them everything that they require. The document that they are requesting can be supported by the documents that I submitted. Moreover, I was never informed by XXXX that they needed more documentation until today when I found out it was declined. ( XX/XX/2018 ) Capital One is maliciously trying to shift the risk from itself to the cardholder by not indemnifying the cardholder and not reviewing supporting documents in a timely fashion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: HANCOCK WHITNEY BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The banks web site constantly has issues whenever I try to pay online. It has issues loading. Or it will ask security questions that don't pertain to me. When I tried to pay on XX/XX/20. I got locked out after it asked incorrect security questions. Then I called and paid over the phone. I called back to check the confirmation number. I was asked for my phone number in case we were disconnected. 

Eventually I was disconnected. But no one ever called back with the confirmation number. My payment still hasn't been debited my account. I emailed customer service the same day to inform them of these numerous issues. However, to date I have not been contacted.

Company response to consumer: Closed with explanation