BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i applied for XXXX XXXX  visa card inXX/XX/2021. i then rec 'd letter from XXXX XXXX  dated XX/XX/21 saying that, due to freeze placed on my sagestream report, they could not verify my credit, so they rejected my application. i dont know who they are, why there is freeze, and why one of the 3 bureaus ( XXXX XXXX XXXX ) wasnt used to run my credit. i then attempted to contact sagestream llc online and via phone. there is no way to reach human, phone is recording only. i then contect XXXX since they sent me the letter and apprarently work with sagestream llc. the person in " new accts '' i spoke with via phone at XXXX claimed that they had no idea who sagstream is and cant help me. he also said they use the big 3 bureaus so he couldnt tell me why XXXX sent me letter saying sagestream was used. i also ran my own credit reports at XXXX XXXX XXXX - there are no freezes and no issues that i can see. i also see on XXXX that sagestream has recd hundreds of complaints over last 3 years. same issue. they are totally sketch and need to be investigated now. as part of that investigation, their relationship with these banks needs to be thoroughly investigated. this feels like a joint effort to systematically deny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with 53rd bank in XXXX Kentucky. This was an IRA direct transfer from another bank. I put it into a CD which was to mature in 2.5 years. I signed paperwork and got a receipt saying I had opened a CD/IRA. When the CD matured at 53rd I went to roll the CD/IRA over to another bank and to my horror discovered that 53rd bank had not coded my IRA correctly when they received it as a direct transfer from the first bank 2.5 years ago. My money had been sitting in a regular savings account for the last 2.5 years unbeknownst to me. I didn't know what to do so I took the money and deposited it at another bank in a regular savings account since I know you only have 60 days to roll over an IRA and it had been 2.5 years thanks to 53rd bank. 

Now I am looking at a big tax bill and penalties due to 53rd bank 's mistake. I asked them to help me write a letter to the IRS to explain their error but they refused to help me even though they admitted it was their mistake. Instead, they wanted me to sign something saying that I wouldn't sue them. 

I called them a few times but they do not ever call me back. 

I am going to take a big financial hit due to their mistake ( admitted to me by them ) but they refused to take any responsibility. 

I don't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been unable to get a replacement debit MasterCard from the GoProgram customer service at XXXX or online at www.GoProgram.com. Their customer service is completely unreachable. Online it says my card number is not valid and says to call the phone number above. ( My card has expired and that is why I need a new one ). The phone prompts take me in a path that says my information is not valid and hangs up on me, or it says to go back online and use their website. There is no way to get to a human and ask a question or get my problem resolved. Their information says their support line is open 24/7. I  have called that number at all times of the day and night for the last 3 weeks ( at least 15 times ) and have not been able to reach anyone. The authorization to have this card is from my employer, XXXX XXXX XXXX. It is a " XXXX  XXXX  '' " Way2Go '' Debit MasterCard. 

I have contacted the payroll department at my employer and they said I have to go through the Way2GO GoProgram customer service to get a new card and/or fix the problem with my existing card. Three times my payroll department has attempted a phone transfer for me to the GoProgram customer service, but the results are the same and no contact or resolution possibility is available ... and the line goes dead or hangs up. 

This is a complete failure by this company to provided provide service. I even called MasterCard and they said they just make the cards for the GoProgram Way2Go XXXX  XXXX  and could not offer any advice other than to try the same phone number I have been dialing for weeks. 

All I want to do is order a new card that works ... but there is no way to do that within their current system. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Wallace Management Company, LLC
State: OK
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:
The companies are Empire Finance and XXXX XXXX XXXX XXXX XXXX I have been paid out on my loan since XXXX 2016 and it is showing on my credit report account is still open with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: NJ
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 have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

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 2020-06-05
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BAN ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXXXXXX Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MI
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:
Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer FinanceXXXXXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2019-03-15
Company: BROKER SOLUTIONS, INC.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started working with New American Funding in XX/XX/2018 to obtain a VA loan for the house we are currently living in. After 5 months they told us we had late payments from 3 years ago during a bankruptcy and for that reason they were denying us the loan. My understanding is the VA requirement is no late payments in the past 12 months which we meet the standard. Only after we met every other qualifying point did they fault us for the late payments during our bankruptcy from 3 years ago. 5 months of hearing we are almost qualified only one more thing and you'll be qualified. Your rep is out sick. Here is a new rep. After 5 months we were denied. This is not fair lending practive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands so the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed out of {$4800.00}. There are people pretending to be employers. They are on indeed imposing people who are not aware of scams. There were plenty of times my bank could have informed me, but instead they decided to send me out a letter dated the time and date the transaction went through. They say in the letter we are holding your check due possibly no payment. That letter would have not gotten to me until the XXXX, which to me is no safety For what happened. Also, I reached out to XXXX where I sent the orders through, to cancel the shipment & return to sender. I advised of the scam to both XXXX & my bank. XXXX still released the package to the imposed scammer. Some people are not aware of scams. Especially if youve never been scammed before. My bank keeps telling me that I authorize the transaction even though I didnt. Had my bank told me that the check was fraudulent right then and there, would have prevented this whole altercation. There are many people who are getting scammed and it seems like there is no way of recovery. I have proof for every thing that has happened. And just want to resolve this to the best way possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: American Coradius International LLC
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/2020, I received XXXX letters from American Coradius International ( ACI ) LLC dated XX/XX/2020. XXXX letter was addressed to me and stated they are trying to collect {$610.00} on behalf of XXXX. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of XXXX ( see attached documentation ). After contacting XXXX, I was told that neither of these charges came from their office and the account number associated with ACI 's claim does not exists. Additionally, ACI has used both our middle names, which is not listed in any account information with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. The mortgage company did not disclose to me that PMI was for the life of the loan And I purchased the house. I was told that when my ratio got down to 80 % I could have the PMI removed. Now theyre telling me that the PMI is for the life of the loan. 
2. Every year, when its time to pay my flood insurance and home insurance the mortgage company makes an incompetent mistake. Ive been promised over and over that they will fix a mistake and never make it again, but the mistakes reappear every year. They either pay the flood insurance twice and do not pay the home insurance. Or they pay the home insurance twice and do not pay the flood insurance. This year they paid the home insurance and pay the flood insurance, but then send a second check for the flood payment which was returned to me by the insurance company. Their incompetence is incredibly frustrating. I do not have time to double check them constantly.They should handle things correctly and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had XXXX XXXX XXXX as a service since 2009 and when i left them i paid off my account and contract with nothing owed. Today i have a new collection on my report from a collection company that bought the debt from XXXX XXXX XXXX. I've tried to communicate with them and the credit bureaus that this debt is not mine but have not gotten any results. Please help as it is affecting my ability to get the best home interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: ND
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: Old information reappears or never goes away

Complaint:
i was charged in proper overdraft checks held long time and never should have been being charged overdraft. i then changed banks they inpropetly charged me XXXX  of dollars

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