BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not associated with me. I have been fighting since i found out this was inaccurate to have it removed without any luck. It is making it impossible for me to do what I need to do credit wise because its reporting negatively and its not my account. I have reached out to the bureaus sever times and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: ORG GC GP Buyer, LLC
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. 
Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian : I was a victim of identity theft in XX/XX/2020. I was advised by my local police and XXXX XXXX to freeze my credit access, so no new cards could be issued. I was also advised to check my credit score with all three rating agencies, which I did. I was put into your " premium '' subscription program without my knowledge or authorization. Accordingly, I am seeking a full refund of all charges made to my debt card. 

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 2016-12-19
Company: BB&T CORPORATION
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. 

Sincerely, 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 2020-08-11
Company: Netspend Corporation
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have contacted PayPal a total of 45 times since this has. I have gained a little more access to my account but they keep blocking my account and they keep locking it and then making my balance negative. They are literally stealing my money. My email to my PayPal is  XXXX XXXX XXXX is the name. They are 0 help. Customer service is beyond rude. I have lost my job because of covid-19 I have lost my house my car my life! I have been living in and out of hotels and yet Paypal is still refusing to help and still withholding my money. I have uploaded all the red negative transactions arent mine. I have uploaded the dispute case for PayPal. I have uploaded the XXXX XXXX recipet that paypal has pending has a transaction on my account even though I have emailed and called a number of times showing it is cancled has been cancled and yet they arent doing anything about 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 2016-08-11
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: High Point Asset Inc
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I was late to make my credit card payment on my capital one credit card in XXXX and XXXX of 2020, because I was quarantining from covid symptoms. I also wasnt making much income anymore because of this. I later paid the company XXXX dollars, which was the full amount that I owed in the beginning of XXXX. I have called the customer service and I have sent letters to have this issue removed, but its still affecting my credit. No action was taken by this company in regards to my covid symptoms to remove the late payments, when I have been a loyal customer and have never been late before this happening. Currently ... my balance is paid off and I owe capital one no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, now.

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 2017-03-11
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I was given a cashier check No, XXXX issued by US Bank on XX/XX/XXXX. The Purpose/Remitter : XXXX issued per notation on the check at XXXX XXXX, in XXXX, KS. 
Around XXXX on XX/XX/XXXX I went to the US Bank Branch on XXXX, XXXX, MO XXXX to cash it. Teller XXXX Ask for my ID. I gave her my driver 's license She asked to install my thumb print on the check. Then she said it cost me {$7.00} Fee to cash the Cashier 's check that was issue by their own bank in different branch. I asked to see the manager XXXX. She also demanded that I pay {$7.00} fee. I told her that her bank already charged {$7.00} to issue the check and the Bank already had the money in their possession and use for three days, yet they try to charge another fee to give it back. She rudely told me that that is the way it is and tried to get me open an account with the Bank. I took the check to another Branch of the US Bank on XXXX in XXXX MO. The same story, XXXX, Assistant Vice President, also demanded that I pay {$7.00} to cash the banks own Cashier 's Check. He added that this is the bank policy and showed me their policy and said all other banks are doing it. This policy, if truly permitted, is Price Gouging, The banks are ripping off the public by charging them twice for the same transaction. Is it true that the banks have the prerogative to charge public any fee they want without a government supervision and control?

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 2016-04-13
Company: MCLEAN MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I recently made a payment on time before the XX/XX/XXXX to XXXX  from commercebank, all online and from the phone app. 

I logged in today on the XX/XX/XXXX, after checking my accounts yesterday and the day prior with no errors, and on the XX/XX/XXXX noticed that I had not only been charged a returned check fee on XXXX  but also had an overdraft fee on commercebank. 

I had already moved enough funds over from my other accounts to bring all accounts positive from -XXXX by moving {$2.00} over to the account to cover the balance. 


According to statements on the XX/XX/XXXX, it shows that I made this cover after the returned item occurred, but that would show at least three days after the initial payment was made and an additional time from when these additional charges took place on the XX/XX/XXXX. I believe with what was occurring with XXXX XXXX, this may have had something to do with this transaction error, but usually XXXX  takes about $ 2 days to pull from my account after I establish it prior to the payment due date. 

I've not had any issues up to this point and it can be noted on the XXXX ledgers and even the commercebank ledgers since the credit card was opened with XXXX. 

I've requested that the error be corrected by the bank because I'm losing out of {$60.00} and this would damage not only credit score, but disqualify me from this homeownership program I'm working through that requires us to maintain sound accounting with finances ( to which I definitely have a record of doing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Equifax - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX Equifax - RE : Request to provide Method of Verification XXXX Equfax - 3rd and Final Notice to Cure XXXX XX/XX/XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX XXXX RE : Request to provide Method of Verification XXXX XX/XX/XXXX XXXX XXXX and Final Notice to Cure XXXXXX/XX/XXXX-1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX- RE : Request to provide Method of Verification XXXX XX/XX/XXXX - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX XXXX whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT HAS PLACED A COLLECTION ON MY CREDIT REPORT. I NEVER CONTRACTED WITH THEM. I KNOW THAT THEY BEING SUED FIR MORE THAN {$24.00} XXXX DOLLARS FOR FRAUDULENTLY DOING BUSINESS. THEIR BUSINESS PRACTICES ARE TO HARM CONSUMERS AND I AM BEING AFFECTED BY THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX, I have received your letter. 
Unfortunately, the Champion Mortgage statement does not reflect reality. 
So for my mother, XXXX XXXX, as of XX/XX/XXXX, her reverse mortgage debt with interest was {$230.00} On XX/XX/XXXX, for the XXXX reverse mortgage loan, XXXX XXXX signed a deed for a reverse mortgage of {$77000.00} with XXXX XXXX XXXX. 
This brings XXXX XXXX 's reverse mortgage debt to {$310.00}, plus interest, plus insurance, for a total of {$350.00} The document ONLY SIGNED by my mother at XXXX XXXX on XX/XX/XXXX clearly states that she can take out XXXX of the {$77000.00} reverse mortgage loan in the first year, XXXX, and the second portion in XXXX. 

My mother suffered a XXXX  XXXX on XX/XX/XXXX, was incapacitated, and neither my mother nor anyone else used the {$77000.00} reverse mortgage. The $ XXXX was not deposited into my mother 's account at XXXX XXXX XXXX XXXX was unable to verify that the {$77000.00} reverse mortgage loan was transferred to my mother 's account. 
The Consumer Protection Department provided a relevant response that the {$77000.00} was transferred to Champion Mortgage to settle the reverse mortgage loan. I assume to pay off the {$230.00}! 
To summarize, Champion Mortgage, XXXX and Everyone listed my mother yone listed my mother as having taken out a reverse mortgage loan for {$77000.00} on XX/XX/XXXX, but that is not the reality.The reality is that my mother ONLY signed the document for the {$77000.00} reverse mortgage loan on XX/XX/XXXX, but my mother did not receive any money!!! 
I would like to get proof from Champion Mortgage that my mother, XXXX XXXX did in fact take out the {$77000.00} reverse mortgage and was entitled to the {$350000.00} debt!!! that my mother 's guardian paid to XXXX. 

Further, I am requesting proof ( bank transfer receipt from Champion Mortgage ) showing that Champion Mortgage received the {$77000.00} reverse mortgage loan!!! 

Champion Mortgage should send me a certificate that my mother received the {$77000.00} reverse mortgage! Evidence!!! 
It was not in my mother 's account at XXXX XXXX. 
XXXX was unable to provide proof of the transfer. 
On XX/XX/XXXX, my mother ONLY SIGNED the document but did not receive any money. 
The amount of {$77000.00} was transferred to Champion Mortgage!!! 

I quote below from the email of XXXX XX/XX/XXXX : XXXX XXXX XXXX Washington State Department of Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " These funds were not sent to his mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. '' Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.

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 2020-08-11
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: Account information incorrect

Complaint:
I checked my credit scores in my XXXX account. Ive recently paid off two auto loans, and a motor home loan. Ive also limited new credit card spending as I am working hard to pay off my debt soon. Ive never missed a payment, no bankruptcy, nothing negative on my record. Equifax dropped my score over 60 points because I payed off those loans ... and all I have is my mortgage and credit card debt. The other agencies did not drop. I am also paying off my credit cards in lowest balance order. I contacted Equifax, and they told me they could not tell me why my score dropped and sent me to a debt management agency. I want to know why I am being penalized for paying off my debt, and pay my bills as agreed?

Company response to consumer: Closed with explanation