BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred ) interest program. XXXX XXXX  ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. XXXX XXXX ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. XXXX XXXX  ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by XXXX XXXX  ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program. 

Furthering the fraudulent and negligent business collection practices, XXXX XXXX  ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. Crown Asset Management failed to send a validation letter after I requested one vie telephone. Crown Asset Management failed to properly serve me with paperwork regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Waypoint resource group failed to validate debt. And refused to remove it from my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank constantly deducts transactions starting from the highest amount to the lowest amount. For example : Lets say I have XXXX $ in my account. If I make 2 charges on a Thursday for XXXX XXXX another on Friday for XXXX $ and an automatic bill pay goes through on a Saturday for XXXX XXXX I receive 4 overdraft charges even tho the Saturday charge is the charge that overdraws my account .. All items post on Monday in order of most expensive to least expensive. If I make a deposit. The deposit is credited to my account after the deductions even if the deposits was made on Saturday over the weekend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Flagstar Bank reported a 30 day late to my credit report for the month of XXXX. My payment was cleared by XX/XX/XXXX. 

My other mortgage company said this was incorrect. My XXXX payment was made on XX/XX/XXXX. My other mortgage company XXXXXXXX XXXX said this is not considered 30 days late since you have until the XXXX of XXXX to make said payment. 

Flagstar refuses to remove this and it is costing me money obtaining my other mortgage since it is a 30 day late fee on my report. 

My mortgage payments have never been late.

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 2018-11-29
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY 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 2022-08-24
Company: MORGAN STANLEY & CO. LLC
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a savings account with ETrade twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. 
I received mail from ETrade dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at XXXX. I requested on online a report from XXXX, which I received dated XX/XX/XXXX. All of the information from XXXX was correct, and matched what was provided to ETrade. 
On XX/XX/XXXX I contacted ETrade and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with ETrade on XX/XX/XXXX. On XX/XX/XXXX ETrade responded that I needed to verify my identity with XXXX. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called XXXX, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from ETrade added. After receiving this mail I called XXXX again and was told they do not verify identity. On XX/XX/XXXX I called ETrade and was told the accounts were denied because of the response from XXXX, with no additional detail. on XX/XX/XXXX I called XXXX and was told they will not provide any details on the inquiries from ETrade and will only send the same report I have already received twice, which all has accurate information, and that I should check with ETrade as to whyI was denied. I am now at an impasse as both ETrade and XXXX are blaming each other an each refuses to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter on XX/XX/2018 to verify this debt the company never responded. I mailed another letter XX/XX/2018 I am awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i MADE THREE ONTIME PAYMENTS OF {$1000.00} FOR A CREDIT CARD PROGRAM THROUGH SEEDFI. HOWEVER, I SUSPECT THAT SOMEONE IS USING THE FUNDS INSTEAD OF MY PERSON. i HAVE BEEN UNABLE TO WITHDRAW ANY FUNDS FROM MY CREDIT CARD ACCOUNT OR MAKE ANY PURCHASES WITH MY CREDIT CARD ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give any of these companies my permission to use my information. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: FL
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 have been sending written correspondence to XXXX, Equifax and XXXX since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the XXXX, EQUIFAX AND XXXX for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past 2 years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: TX
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:
Equifax, XXXX and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for 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 2019-02-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
What happened was : I got here 3 years ago. 
My family was looking for an other place to live. 
When I was working, I saw someone came to the store all the time, and I Saw she is XXXX like me, we start to talk, but she speaks English and I didn't, she told me she will rent a big space so we can live together. 
She took me somewhere to show me an office ( XXXX XXXX ) XXXX XXXX XXXX, and she said that's where we are going to live. When I called my brother he was affraid for me, cause I just got here, he didn't want someone to abuse me. He said you don't really know the lady, if something happens to you, I won't know cause it's too far away for me, I just got an apartment for you close to your kids school, the same day I went to my brothers apartment with my kids. I went to the office to let them know that I got somewhere else to stay, so I won't be with the lady in this place.they told me ok, I will take your name off.so the office know that I never live there. I told them that as soon as I get it, before their apartment was available. 

I am surprised on XX/XX/2018. I received a letter from the creditor : XXXX XXXX XXXX XXXX XXXX XXXX Attn : leasing office XXXX XXXX FL XXXX For the amount of {$4500.00} The office know that I wasn't there. 
They know who exactly they supposed to go after, why they choose to go after me? is it because I didn't understand English too much and I can not defend myself? When I went to the office to tell them why they do that to me.the office told me that she brought a guy to sign for her after I took my name off, and the guy come back to take off his name, so the office told me that's why they keep my name in case the lady does not pay so they will have someone to go after, the office retain my info with out my consent to go after when things go wrong for the lady, why they are protecting the lady, I don't know, why the office didn't retain the guy info to go after him too, I don't know, but the office knows, I got the of the person that I talked to.hepl me out please, cause I need justice. I didn't have any contact with them. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Wolf River Development Company
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan a few weeks ago and was pre-approved, talk to the agent about doing The bank verification.. she said she couldn't help me and just wait for someone to email me ... After speaking to her all of a sudden I was denied without an explanation... I think they are discriminating based on XXXX... I have emailed them several times for denial reasons with no responses. And the one time they did respond they said we can't find your account. They need to do an investigation into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXXXXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both XXXX and Experian Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo allowed someone to remove my name from an account opened by me with my money transferred to open a business account. I wasnt informed nor asked to come in and show ID to remove my name. All I received was the run around and even my attorney was ignored by them. All fraud and they took my money. This fiasco started in 2020 and Wells Fargo has yet to respond, or rectify this situation for my business. Ive literally had to postpone even our granted 501c3 status has been affected.

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