BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MD
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 noticed an account on my report that I did not open. I disputed it with Equifax once last year and again this year XX/XX/2021. They replied that they have investigated the account and it still remained, but with less information than before. Let me be clear, this is not my account. I am a victim of identity theft, and my police report is attached. I have contacted both the company listed and the Equifax, and neither have taken the steps to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with Equifax. 

They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my dispute on XX/XX/2020 where I requested method of verification. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2021-03-14
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for the mortgage loan for {$300000.00} and documents signed and sent back to the office and disclosures and mortgage payments plan to be setup with the Quicken Loans company in spite of credit score. After time a problem rejected for unfounded reasons. Discrimination against me! Now resort to the Rocket XXXX affiliated with the Quicken Loans company. I signed the contract and my real estate agent XXXX email address is waiting for the process to be completed by the company. I inquired to the Civil Rights Commission and other government offices. Now still homeless and seeking loans, credit cards to live comfortably for food, etc. No transportation to get where I would like to if a distance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-10-26
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I had {$380.00} dollars on my card I made a purchase at XXXX that night for {$26.00} woke up the next morning to {$33.00} in my XXXX XXXX account. I had just recently received several deposits and I know I didnt spend anything so I immediately checked my transaction history and pending transactions and it was nothing there besides my purchase at XXXX XXXX So I reached out to support via the app and explained my situation I was told someone would reach out via email that was 6 days ago and I have yet to speak with anyone in regards to where my money went! I have messaged them via app everyday and also called the XXXX number and they keep telling me the same thing that I have to wait to receive an email that I have yet to receive when I should not have to wait to find out what happened with my money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone impersonating our grandson called us on vacation from XXXX XXXX, XXXX XXXX needing money to stay out of jail. He crashed a rental car and hit someone and there was alcohol involved. He was hurt and then handed the phone over to the police official, XXXX XXXX, and he indicated that we would need to wire {$1900.00} in order to pay for damages. He would then be put on a plane and sent home. We later found out that our grandson was home all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax removed many CURRENT accounts from my credit history, which had a great impact on the age of my credit history. As a result, my credit score decreased by 65 points! This may be due to confusion over my single vs. married name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: V and H Portfolio
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Addendum to complaint # XXXX. This company cotacted me again, after I instructed them not to. I was again contacted on XXXX XXXX, 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The following company has repeatedly called me AFTER I sent them a letter SPECIFICALLY telling them to not contact me by telephone : BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX The Phone number they use is : XXXX I have since blocked that number but expect them to try and use another. 

The text of the letter sent to them is as follows : " SENT PREPAID USPS FIRST CLASS MAIL BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX RE : Reference No. : XXXX YOUR CLIENT : XXXX XXXX XXXX Hospital Dear Sir or Madam : This is not a valid debt and I vigorously dispute it. 

Enclosed you will find a Debt Collectors Disclosure Statement. I trust you will find it self-explanatory. 

You are also instructed to NOT contact me by telephone at home, work or facsimile. You may communicate with me by regular USPS mail. 

Any derogatory reports made to any credit reporting agencies will be met with the full remedies provided by law and a Complaint lodged with the Federal Trade Commission. 

Please govern yourselves accordingly. 


Sincerely, XXXX '' Enc. : XXXX pages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: WA
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:
Good morning, The Date of first delinquency reported by equifax on the account XXXX isXX/XX/XXXX. The payment history reported clearly states 30 days past due onXX/XX/XXXX. This is a violation of my consumer rights by attempting to Re age this debt. Please delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover disabled the messaging system on Discover 's website, as well as the call center system. Whenever I attempted using phone relay for XXXX people to call XXXX, the phone system simply hangs up each time we try a call. 

Discover also disabled the chat messaging option to prevent me and numerous other people from receiving hardship relief due to COVID 19. 

Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: French Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions 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:
i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and 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 non-monetary relief
Consumer complaint received 2020-08-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Merchants & Medical is erroneously attempting to collect a debt in the amount of {$3700.00} on behalf of XXXX University. In XX/XX/XXXX, Merchants & Medical placed this collections account on my credit reports causing extraordinary damage to my reports and FICO scores. I hired a firm in XX/XX/XXXX to investigate this matter further with XXXX. On XX/XX/XXXX, my counsel and XXXX  concluded their investigation and, as a result, XXXX deleted the Mechants & Medical account from my credit report. On XX/XX/XXXX, Mechants & Medical has illegally placed this account ( XXXX ) on my credit reports again by using fraudulent, illegal and unfair debt collection practices despite my firm having successfully worked with XXXX to get the Merchants & Medical account removed from my credit reports in XX/XX/XXXX. Months later, in XX/XX/XXXX, Merchants & Medical fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the  history of our country. Once again, I will have to file disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Merchants & Medical.  Furthermore, I will be seeking additional legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly. I would like to settle this matter without litigation. However, if Merchants & Medical continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system. I have attached the results of XXXX XXXX investigation to this email as evidence that the account was deleted as a result of their investigation in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: IL
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:
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Good morning, According to the FCRA consumer reporting agencies must report accurate information. 

Transunion reports on the account XXXX a 90 days past due in XXXX of 2019, and a 120 days past due in XXXX of 2019, while XXXX reports a 60 days past due in XXXX of 2019 and reports 90 days past due in XXXX of 2019, This is inconsistent and inaccurate reporting under the FCRA. please delete this account immediately for failing to report accurate information.

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 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I will be filing a Federal lawsuit aganist Bank of America.Bank of America sales practices are unethical and very unprofessional.I will be getting 50 natorized letters from current and former Bank of America to present as evidence to the Federal Judge. 

They charged my account off in XXXX.They never investigated the fraudulent activity done on my account, So my best option is pay the {$400.00} filing fee for Federal Court and file a lawsuit and subpeona all documents and those who handled my account.I will also subpeona phone calls and all documents pertaining to my account.

I want to be able to pay the {$190.00} and have it removed from XXXX XXXXXXXX.I will be contacting XXXX XXXX with police report for the fraudulent activity.I will also include chex system in the lawsuit.I will include XXXX. XXXX and Mrs XXXX from Bank of America in the lawsuit and subpeonas.I am not playing with Bank of America.If Bank of America would have investigated the fraudulent activity.I would have paid off my account.After the investigation of the fraudulent activity.I wanted the fraudulent investigated and the fees waived/credit.Then I would have paid off the account and my account would have been still open.

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 2016-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation