BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: EQUIFAX, 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:
This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX  XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}

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 2020-02-28
Company: Lending Club Corp
State: MA
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:
{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan. 

My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 while at a XXXX XXXX making an XXXX return I was in need of another label in order to ship back my return. I was told to call XXXX Customer Service which I goggled and called the number that popped up EXCEPT THIS WASNT XXXX CUSTOMER ASSISTANCE. It was a SCAM company impersonating XXXX, which to this day is still on goggle if you XXXX XXXX Customer Service that will tell you they have a new process in which to refund you but you must download this app ( called XXXX  ) in which they took over my cell phone and went into my credit union account XXXX and performed 2 transactions ( {$440.00} and {$490.00} ). I immediately contacted USAA ( my credit union ) and reported the incident was told they would restore the money while they investigate which they did not do. After several weeks of delays and following up on the status, I was told they denied to refund me and concluded the investigation due to : Multiple USAA system security log/records. Per the denial letter I requested the documentation used to come to the decision and after weeks of waiting received the letter quoting the above statement instead of including the documentation used to deny refunding the monies stolen from my account. My biggest complaint is I know they refunded customers for this exact fraudulent act so why was I denied. I also reported this incident to XXXX ( yet the phone number still comes up in a search to defraud other people ), I reported the incident to XXXX and the FTC where I have a case registered as well as 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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-28
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a XXXX XXXX, which entails processing individual income tax returns for individuals. I am registered as a XXXX XXXX. I opened an account with square merchant services to run my clients payments. I opened the account with very little information. Once I started to run my clients payments manually. They put a hold on my funds. They asked me to submit additional information. I submitted the additional information which consist of an example of an invoice, bank statements, Documentation of an EIN number, registered with the internal revenue service, and Proof that my business is registered as an assume name. I am also a XXXX XXXX XXXX with a Tax Payer identification number issued by the Internal Revenue Service. They said once they review all of my documentation, that they would release the funds into my account. Today, I have received an email stating that my account will be deactvated, and they will be holding my funds for 90 days, and I can not receive them until 2 days after XX/XX/2020. They are holding over {$5000.00} of mines. 
This is not right!!. This is very unfair to me as a new XXXX XXXX!!. I am very upset, and Irate!!. I trusted these people, and now they want to inconvenience me, and hold my funds for 3 months. As a new business, I can not afford this, and I need help retrieving my funds.They said I am a high risk business for Chargebacks.!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Action Collection Agencies, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: PNC Bank N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX   XXXX , I called and requested to have my wife 's credit card replaced. Specifically asking not to have mine shut down because that is a huge inconvenience. The rep was refusing to assist me with this specific issue. She was rude, over talked me, kept repeating herself and refused to escalate the phone call per my request. I disconnected after she refused to assist and reached a different rep, where I was assured my wife 's card only would be replaced.     Subsequently, my wife had my card, and only my card when she was out of town on  XXXX   XXXX . While she was trying to purchase gas to get back home the card was declined. My wife had to ask a stranger for money to get back home. Extremely embarrassing and humiliating, especially when we are successful hard working people and I was assured my card would not be closed. My wife came home late and did not tell me this situation until later in the day,  XXXX   XXXX . Prior to finding out this information, I went to   XXXX   this morning to make a large purchase for my house. I had everything rang up in my cart and when it came time pay, my card was declined. Once again extremely embarrassing. I had to put everything back because that was once again my only and preferred method of payment.     I am extremely disappointed and dissatisfied with the previous service I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my credit report every few days and noticed a collection listed on my credit report on a debt that I am not aware

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 2021-05-14
Company: Experian Information Solutions Inc.
State: MI
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:
I have disputed erroneous accounts with Experian and XXXX  for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian

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 2021-04-08
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received my stimulus check to my Current account and I tried to transfer XXXX dollars to my XXXX account because of having issues with being able to connect to my current account. They took the money off my account but never sent it to my XXXX account. I contacted customer service numerous times and then finally was told that my funds had been reversed and the very same day my money was sent person to person to XXXX only knows who and they won't tell me who instead they told me that I can't ever get my money back and closed my account. I need my money. I don't have any other money and someone in their customer support department stole mine. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: KS
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:
It has been 270 days of me going back in fourth with Equifax on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my mental health. I know Equifax has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was contacted by someone on XXXX on the XXXX of XXXX telling me I won something from current and XXXX XXXX I contacted my bank and sent them screen shots and the lady that I spoke to her name was XXXX assured me that I was ok and nothing would happen. I got paid that day around XXXX and by XXXX someone had taken money out of my account. I woke up about XXXX and looked at my account because I had been worried about it all day and there it was someone took XXXX $ out of my account. I am skeptical because this just happened to my XXXX account. So again I contacted the bank people and they said it would take up to 90 days to get finished not even 24 hours later I get a notification of them saying they fixed the problem I go in my account and the only gave me what was left in his account which was {$500.00}. I am now short {$490.00}. it is the banks fault there security failed. I told them immediately when I thought I had done something wrong and they didn't even care they just brushed me off and now I'm losing over half my check. They have proof that my money was stolen but refuse to give me bck my full amount they are FDIC insured this is illegal that I did not get back all my money because the bank fail to protect my account. 
The Bank : Current Banking ( Issued By XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting an collection with a company called XXXX XXXX   account # XXXX This isn't my account, shortly after XXXX had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?

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 2017-06-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.

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 2017-06-11
Company: Client Services, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
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: Old information reappears or never goes away

Complaint:
THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT ME

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 2020-02-28
Company: Northwood Asset Management Group
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My complaint submit : https : //XXXX.consumerfinance.gov/XXXX  1. Friday,  XX/XX/XXXX, XXXX MT, message received from XXXX XXXX ( XXXX ), caller id XXXX. 
He was hard to understand from the message. He purposefully mumbled his name. 
Said he was from " Northwood ( garbled words ) ''.  This incoming message is still on my voicemail. 
XXXX said in his message that he was conducting a background check on a person I knew. 
He left a call back number which was nine digits, " XXXX '', later I discovered he neglected to speak the first digit, the real number is XXXX. He said he was conducting a background check and needed to ask me some questions and please call him back. At this point calling him back would not be possible because he gave me a partial number. 
2. I was concerned, annoyed, and curious. So I did an internet search, not much luck. 
3. I called the number of the callerid from the first call, XXXX, and spoke to " XXXX? ". 
I asked about the call I received from " XXXX '', she said I must have the wrong number, and that they do not do that sort of thing. I asked her what her company was, she hung up on me. 
I did not have the wrong number I called the number that called me. 
4. I called back, same number, XXXX. AFter a few beeps and dead air, I was transferred to XXXX. 
XXXX confirmed he called me, his name was XXXX XXXX, not " XXXX '', corrected his return phone number was XXXX. He started asking questions. I told him that he called me, that he knew my name and phone number, and that I will not answer any questions until I knew a little about him. I asked him what kind of " background check '' are you doing. 
He said " I am going to end this call now '' and hung up. 
5. Slowly I figured out they are a collection agency pretending to do " employment background checks ''. 
Website https : //northwoodassetmanagementgroup.com phone XXXX. 
When I called this number, the person who answered was a third new voice I had not talked to yet. 
He immediately knew who I was before I spoke even though this was a new number and a third person unknown to me. He must have gotten my information from my called id. 
He insisted I tell him everything I know about a person I care about. 
I asked him if he was a debt collector or a government agency doing a background check. 
He did not answer. I asked him to repeat his name. He said hold on a second and hung up.

Company response to consumer: Closed with explanation