BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''

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 2020-01-03
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Waypoint Resource Group , LLC # XXXX, a collection agency got my account that was paid in full to XXXX on XX/XX/17 by XXXX, an affiliate of XXXX XXXX XXXX XXXX that helps XXXX XXXX patients. My XXXX, XXXX XXXX, helped me apply for this grant onXX/XX/17 and I was awarded {$1500.00} on XX/XX/17. They paid this and my other bills directly to my creditors. I tried without success to tell this to this collection agency. I even told them to verify this with XXXX XXXX with XXXX at ( XXXX ) 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 2020-11-22
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a federally protected consumer and Bridegcrest has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed CFPB complaint XXXX on XX/XX/2020. ( Capital One 360 internal complaint number may be XXXX, as that was the number included on their initial response. ) I received a partial response from the company on XX/XX/2020 ( which I have attached ), but they did not respond to the second part of my requested resolution on the original complaint : " 2 ) Once Capital One 360 has gone through the verification process with the customer who used my SSN, I would like them to inform me of the outcome : a ) whether the account was closed permanently, b ) whether the account was reopened with an updated/corrected SSN, or c ) whether the customer provided information that purports to verify the account using my SSN. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fraudulent accounts 1. XXXX XXXX/XXXX XXXX ( XXXX XXXX , XXXX XXXX Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX CARD SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XXXX XXXX XXXX. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX XXXX. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX DXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
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 information incorrect

Complaint:
I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life.
Thank you

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 2022-08-17
Company: U.S. Auto Sales Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. US Auto has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : us auto Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021 I was contact via phone from a rep who claimed to be with Wells Fargo. The scammer had all my information from acct numbers to profile information. The scammer pretending to be a Well Fargo rep told me someone had tried to make XXXX XXXX  transactions from my acct and they told me they stopped the transfer which i later found out never happened. The scammer then told me to get my money back I had to make the same XXXX  transfers to a XXXX acct. I had no reason to believe it was not wells fargo and it seems more and more of Wells Fargo customers are being scammed the same way. Wells Fargo had no information on their site until a week ago telling its customer the scam has been going on but Wells Fargo has known this issue has been going on for over a year. They also knew that my acct information was hacked thru their servers and they will not refund XXXX dollars I was scammed. This plain wrong and Wells Fargo is trying to get out of this issue like they have with other scam issues in the past. They knew this was going on with plenty of customer and that someone was spoofing their number to talk to their customers but seem to take no responsibilty in there neglegance. I filed thru XXXX  and its seems they are finally tryin to alert their customer but the damage has been done. It seems the media is getting ahold of this from other customers who have been scammer. Wells Fargo needs to do the right thing and I will sue if refund is not given and there is many of us that have been hurt by Wells Fargo lack of security then step back and say it wasnt us but it truly is they need to alert customers when there information has been stolen from either employees or scammers. Below is a link of the same exact thing happening to another women and again Wells Fargo blames its customers when this clearly is wrong doing by Wells Fargo. I ask for a refund and apology letter from XXXX XXXX staff on how Wells Fargo should have done more instead of point the finger. I will keep posting on social media about how Wells Fargo does not honor there own responibilities. Thank you. 

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 2016-02-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company?

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 2022-08-17
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX Account number : XXXX XXXX Account # : XXXX Balance Due as of XX/XX/22 : {$220.00} Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX NY XXXX This debt is from a spectrum bill that was sent to a previous address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX The bill is not mine this bill belongs to XXXX XXXX who owned the apartment. The spectrum bill that went unpaid is from another person not me. 

The unpaid debt is not mine and the spectrum account is not mine. 

Please remove this negative charge from credit reporting and dismiss the debt because I do not own 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 explanation
Consumer complaint received 2022-08-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
in 2020, I filed complaint no. XXXX, regarding this same issue. They are misrepresenting amounts, excessively flagging the debt on my credit report and I do not owe the debt. As I sated before,, this debt is tied into a class action lawsuit. This collection agency harassed me to the point that I had to tell them to stop the excessive calls and robocall voicemails. Recently, they added several additional accounts that were illegally duplicated and I have already addressed this issue with XXXX. I called to speak to someone and the woman was threatening in nature and refused to answer when they sent information about this additional debt in writing. When I told her that I do not owe this debt she told me that I better call the XXXX?? I'm not sure why calling the XXXX was mentioned, but their staff is XXXX and XXXX. This collection agency constantly misrepresents the amounts to confuse debtors and the constant flagging of debts that is not owned. I have contacted my attorney again regarding this issue. I'm uploading case information regarding my active lawsuit regarding one of the debt amounts. I provided proof of payment on another amount to this debt collector on XX/XX/2020. There was another amount that was paid and they are still to collect it again. They misrepresent amounts to try to collect debt more than once and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Shellpoint Partners, LLC
State: AK
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:
In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on timeXXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, Shellpoint Mortgage Servicing, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with Shellpoint Mortgage Servicing. 

I have complied, on time, with all of the conditions of my loan agreement ( s ). 

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America Debit Card Disputes I sold my XXXX with my information still on it as I was told it would be wiped but it wasnt. Long story short my debit card was charged over a period of 60 days XXXX Ethernet over 40 small transactions. I talked to XXXX and they advised they looked into it and would be happy to refund me but my bank needed to request the refund. So I called Bank of America on XX/XX/30. The claim was opened and closed within days. The reason is because I did business with XXXX in the last. No investigation at all. I have an XXXX so of course Ive did business in the past but these were not my transactions and XXXX pulled up the phone and location to see this. The claim was reopened I provided the conversation transcript from XXXX to look into it again in XXXX I called five times  between XXXX and XXXX and was told no one had even looked at the claim or information provided. I then filed a complaint with a manger who was rude. XXXX what happened the claim was closed with no explanation and not decided on my favor. Still I contacted XXXX and Bank of America still never contacted them as of this complaint.

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 2019-12-28
Company: EQUIFAX, INC.
State: LA
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 several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On the morning of XX/XX/22 at XXXX my personal information was disclosed to a third party male by XXXX and XXXX XXXX The information released to the third party included my first and last name the last XXXX numbers of my social security number, the case number, the balance owed and also disclosed a different amount of judgement they were seeking. my personal information was disclosed without my consent to the third party male.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX submitting this complaint against Lvnv Funding LLC and there is no third party involved. Lvnv Funding LLC did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX Equifax is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX Trans union XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX  XXXX XXXX from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

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 2022-08-17
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I tried to make a purchase on line, however the transaction was declined because i made a mistake when providing my address which is linked to the card. Shortly after, i contacted the merchant because the funds appeared withdrawn from my account. The merchant provided clear proof that the transaction was declined by American Express. Although the transaction was declined by American Express and no authorization was given to the merchant, American express claims that the transaction is still pending and won't release my funds back into my account. American Express have engaged in Florida 's Unfair Business Practices. American Express are holding these funds to enrich themselves to make money on interest. There is no excuse for them to hold these funds when the transaction was declined. I have attached an email from the merchant confirming that the transaction was declined and never authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting negatively on my credit report even though the debt was sold to AD ASTRA RECOVERY SERVICE in 2014.

Company response to consumer: Closed with explanation