BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: Express Cash Mart Management
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.

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 2021-08-13
Company: GATEWAY FIRST BANK
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Gateway Mortgage, a division of Gateway First Bank, XXXX XXXX, sent me confirmation of my loan being paid off and a lien release issued in XXXX of XXXX. 

Reporting to credit bureaus of no activity since then. 

As of today Gateway mortgage is wrongfully reporting my acct now showing a Past due status as of XXXX of XXXX and now showing a balance of {$560.00}. They have somehow added a balance back on to the mortgage, that was paid off, and then retro-actively hit me with late reports all the way back to XX/XX/XXXX. 

This is a huge error on their part and needs to be resolved immediately. 
I was notified by all my credit monitoring today of this error. This can potentially cost me my livelihood as I am a XXXX XXXX XXXX and being behind on a mortgage is a huge no no in terms of being licensed. 

I have attached a downloaded report as of XX/XX/XXXX showing no activity and the acct closed. I have attached a report form today shows all of the negative activity. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Applied Resolutions Group
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have asked XXXX from the ARG Group collection firm not to call my work that I can not have those calls. He called today and told someone that he needed the address to my work so they would know where to send the court subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
For a little over a week now I have not been able to get to my money on my rushcard I have called everyday with no luck i have sent emails I live pretty much paycheck to paycheck I 'm a single mother XXXX and I just want my money that I work hard for ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXXXXXX mother and I am being exploited by the TD Bank Assistant Branch Manager of the XXXX XXXX XXXX. 

The TD Bank Assistant Branch Manager intentionally converted a personal injury check and then stole a portion of those monies from my account that she forced me to open so she could have " easy access '' The TD Bank Assistant Branch Manager changed my account so I didn't have insurance coverage when there was a hail storm and I was unable to make necessary repairs. 

The TD Bank Assistant Branch Manager has wrongly increased my monthly mortgage amount. 

The TD Bank Assistant Branch Manager keeps sending Foreclosure notices that I am one or two payments behind, when i am not behind, and my mortgage is current. 

The TD Bank Assistant Branch Manager knows that I am attempting to refinance my home, and I was just 2 days past the 10 day grace and my credit report was docked down XXXX points. 

I am being XXXX XXXX  and XXXX XXXX by the TD Bank Assistant Branch Manager and she is using her power and authority as a TD Bank Representative to hurt me, and cause XXXX, pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Advanced Collection Bureau, Inc.
State: SC
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:
Advance Collection Bureau XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/2018 Advance Collection Bureau added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2100.00}. After further review I realized that the DOLA date on the account was inaccurate across all credit bureaus, which should not occur. The Fair and Accurate Credit Reporting Act ( FACTA ) protects me from having erroneous or false derogatory info be posted on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reporting several incorrect information for several accounts- XXXX-No updates since XXXX XXXX XXXX XXXX updates since XXXX-incorrect balance XXXX-No updates since XXXX XXXX XXXX-No updates since XXXX XXXX ; incorrect balance XXXX-Still showing an open loan with a balance of XXXX Account PIF

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This concerns case # XXXX and XXXX. On Friday, I received a letter from Pressler & Pressler requesting the court to direct an order for garnishee to pay over to Sheriff money for the debt I do not owe. I am at my last nerve. I do n't know what to do. I ca n't afford to hire an attorney, {$250.00}. just for consultation. I 'm scared to death of these people now. XXXX XXXX appeared to be cooperating, not these attorneys. I am enclosing their documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Account on credit report was originally reported delinquent XX/XX/XXXX. Recent credit reports are showing same account reported XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

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 2021-08-13
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/21 dispute submitted XX/XX/21 dispute submitted Bankruptcy Information was removed by XXXX and I have requested removal from credit report. They are denying the removal of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Capio Partners, LLC
State: VA
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:
On XX/XX/2021, I checked my credit report and found a account on my report that was not mine. My information was exposed in the XXXX data breach and I filed a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. 
XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have never received a statement from this company. When logging into my credit report today, I saw that there are subsequent late payments dated to XX/XX/XXXX. This card was opened by my wife and was paid in full inXX/XX/XXXX ( {$0.00} balance ) - the last payment was assessed as " late '' by the company and she was charged a late fee. There have been late fees assessed on top of this late fee, as well as interest on the late fees. Again, the balance of the account was paid in full in XX/XX/XXXX - this balance due is just late fees and interest. I called XX/XX/XXXX to resolve this, was transferred 7 times and left on hold for 2 hours. There has been no attempt by the company to help me resolve this - the only time I was able to speak to someone directly about this balance due ( the second time I was transferred ) he told me his only job was to attempt to collect the debt, not tell me how the debt was accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I've tired for a few months to make payments online since COVID-19 pandemic. Their website reflects no fees to make payment online ; however, when you try to make a payment on line the system has been in error code once you enter you username. You can not make a payment on line so you are forced to make a payment by phone which cost {$15.00}. There should be no reason why a company this large can not have their website up and running properly for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is a fraudulent account. I have been trying to get the account removed for months. Every time I receive a dispute complete letter from Equifax , it says, we verified that this account belongs to you. So, I went to my local police station, filed a police report and got an identity theft affidavit. The officer at the station even called XXXX XXXX XXXX and was told if I send in those XXXX documents, that Equifax would be allowed to delete it from my credit report. So, I went ahead and faxed the information in, only to receive another dispute status saying that Equifax verified it is my account. XXXX have already deleted it. I am not sure what the issue is with Equifax but this fraudulent account is weighing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you. Also got a document from equifax that said it was not on my credi treport then i pulled on XXXX and its there.???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was started in a foreclosure process that was stopped by Wells Fargo Bank. # XXXX. Wells Fargo had been found guilty in The State of California for a loan called pick-a- payment which a ruling by The Department of Justice found unfair to persons who had this type of loan.After agreeing to stop all actions against me and my house being listed and sold by XXXX , XXXX , XXXX continued to damage me to the extent of my not being able to get a loan for a home or equity line with XXXX XXXX.My house was paid off in full and went through XXXX.The closing was on XXXX XXXX. Wells Fargo Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.Wells Fargo also never advised me of The agreement with The State of California. Now comes XXXX, XXXX, and XXXX giving foreclosure a new name. Attempted foreclosure well attempted is not foreclosed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received several communications by mail from Navy Federal Credit Union, none of which state that they are attempting to collect a debt and have used symbols on envelopes and its contents, which is a violation of 15 USC 1692f ( 8 ). Navy Federal Credit Union is also in violation of 15 USC 1692d ( 1 ), they have reported information to the consumer bureaus that has done harm to my reputation. On XX/XX/2021 I mailed Navy Federal Credit Union an affidavit of truth, a cease and desist, an invoice, and exhibits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.

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 2021-10-18
Company: Sequoia Financial Services
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:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a client of XXXX XXXX a debt consolidation company. They settled an account with XXXX XXXXMidland Credit Management in the amount of {$2600.00}, from the original {$5700.00}. The debt has been fully paid on XX/XX/XXXX after monthly payments starting in XX/XX/XXXX of {$100.00} and the final payment of {$120.00}. I got an alert from XXXX and XXXX  that received a negative file on my credit report from Midland Credit Management in XX/XX/XXXX. Upon checking it is for the remainder of my balance that was previously settled upon and no longer owed. Midland Credit Management is trying to go back on their settlement and receive the entire sum which is not the agreement with myself or XXXX XXXX. I have contacted XXXX XXXX and they are also aware and fighting this, Ive contacted Midland Credit Management and they just try to bully me and not tell me what the debt is for only that it is my debt and that it is owed.

Company response to consumer: Closed with non-monetary relief