BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: TX
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 was trying to purchase a vehicle so I went with a pre approval/ soft check option to see if I would be approved. XXXX XXXXXXXX XXXX decides to run my credit thru 2 loan companies 2 days later and for hard inquiries when I never agreed upon that! Thats also illegal to be using my SSN day later for something I never agreed to. I disputed this through Equifax and they stated it was factual when thats impossible I never put my SSN in for hard inquiries. XXXX XXXXXXXX lied about there being a soft check and ran my credit days after the fact I wanted to do a soft check without my permission and caused me 2 hard inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a claim take place at my home on XXXX day while I was out of town. I reported the claim immediately to both my mortgage company and my insurance company. My insurance company acted timely and helped assign a mitigation company to get the leak and water damage cleaned up. They then assessed the claim and paid out a check for the total amount addressed to the Loancare and myself. I signed and sent to Loancare in XXXX, and since then the money has sat in there possession. I have been going round and round with them uploading, mailing, overnighting documents to appease their unreasonable demands. I have spent hours upon hours on the phone speaking to anyone that would listen to me about my issue. I have contacted Loancare, Insurance Claim check center and my insurance company to see if anyone will help me, and unfortunately no one seems to think there is a problem that I have been living in my home without carpet and down a bathroom for my family of XXXX ( with small children ) since XX/XX/2022. I have had contractors quit because of the delays, no longer be able to start because of the delays, and currently have had to delay our contractor 4 separate times as we are still waiting on " exceptions '' and " reviews '' and " checks being cut '' that all have 3-10 business day SLAs. No one from either company will help, nor will they even try. My family has endured this for too long and at this point it is going to be a year before anything gets done.

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 2023-08-17
Company: Metacorp LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling even calling my employer about a loan that I never had and isnt even in my name, in a family members name. Threatening to garnish my wages and isnt my loan, my name is no where on the loan. Leaving threatening voicemails back to back. 

XXXX XXXX with set financial is whos doing this. XXXX is his #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I paid my Comenity account in full recently and the company did not report the pay off to the credit bureaus having a major and significant impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: John C. Heath, Attorney at Law, PLLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX no number to reach. Paying XXXX for i dont know why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Cascade Capital, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regard to XXXX XXXX XXXX phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from Cascade before they take it off my credit but I spoke to cascade  and they gave me the documentation that is needed as it was settled in full by my insurance company and that XXXX XXXX XXXX  has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating that they do not accept any other forms of payments besides Federal Reserve Notes, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failure to produce a contract or agreement between me and the debt collection company state that I agreed to pay this debt to the debt collection company. Failure to produce proof of the legal right to collect on this debt and the legal obligation that I owe the debt collection company.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-08-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While my complaint is massive with Wells Fargo, I would really like consumers to be aware of what Wells Fargo is doing with respect to COVID-era assistance. In XXXX of XXXX, Wells Fargo offered COVID assistance in the terms of a 3-month deferral through a blanket email sent to all mortgage customers ( an email I no longer have and one Wells Fargo flat out refused to send again for our records ). Our mortgage maturity date is XX/XX/XXXX, and Wells made it clear the deferral would not include an extension of the maturity date. Now, due to this deferral, offered by them and NOT sought out by us, they have accelerated the maturity date by 3 months because we paid the deferred amount in our mortgage payments since XX/XX/XXXX. A big no, no according to Wells Fargo ( to customer 's that consistently paid for 23 years with not a blip ). Please let consumers know if they are trying to make small payments on top of their regular mortgage payments to make up the COVID offered assistance, Wells Fargo will call your loan ahead of the maturity date. Depending on particular circumstances, Wells will also claim they told you all about that in a letter dated AFTER the deferral period and repayment beginning ( well, at least that's what they did our case ). I have requested documentation from Wells for the period before XX/XX/XXXX, but was told there was none that could be seen, and asked why we would even request that ; very odd interactions given the history of making all payments, on time, as agreed to in one form or another.

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 2023-08-20
Company: Ability Recovery Services, LLC
State: OH
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2023, I disputed a debt of $ {$1400.00} with the three credit bureaus asking Ability Recovery Service to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to 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 monetary relief
Consumer complaint received 2023-08-20
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this company several time as to how they verified that I owe them with out any response. 
1. Original contract with my signature.

2. Proof I have a legal contract with the company.

3.How did you verify the information you have 4. This debt is not mine.

ABILITY RECOVERY SERVICES. 
XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello I had a car loan with wells Fargo for a XXXX XXXX XXXX. The charger me incorrect fees and ended repossessed the car. After the XXXX class action lawsuit they sent a check of {$6.00}. Then in XXXX another check of {$79.00}. And this past XXXX they sent another check of {$38.00}. I never cashed those checks.From the lawsuit every customer is entitled to at least but not limited to {$4000.00}. 
They never give me that money. 
I called on friday XX/XX/XXXX and one lady from the customer service explained to me that it was a wrongful repossession ( you can listen to their recorded call )

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 2023-08-22
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They apparently just took over my mortgage note & the first correspondence I received from them was a welcome notice & a late notice on the same day. I was never notified that they were taking over the note, which is equal for the prior note holder, but the issue is I was not notified and my auto debit was cancelled resulting in a late notice.

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 2023-08-22
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sent to Goodleap CoXXXX 
XXXX  Complaint ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- My name is XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXXXXXX Veteran and I receive Social Security I had Solar Panels installed by XXXX XXXX XXXX ( XXXX ) They assigned me to GoodLeap Financial Co. 
My original Contract amount to GoodLeap was {$58.00} per month. 
Now I'm being told I have to pay a new rate without my consent : Due Date : XX/XX/2023 {$79.00} I could not find this new rate anywhere in my contract. 
I can't afford to pay this amount because of fixed income. 
Can they come to my home and remove the panels? 
I read on line that this is not a good company but I didn't have a choice because they said they were assigned by XXXX XXXX. 

Some one suggested I should file bankruptcy about this loan. 
Please let me know if this is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAINE & WEINER COMPANY, INC.
State: PA
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried for over 2 years to have this company properly verify the debt without success. I requested my original contract with my alleged lender and proof to validate that they properly are authorized to collect on this alleged debt. No information was ever validated or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services is telling me that I owe LVNV Funding LLC, XXXX, I asked Resurgent Capital Services for the original signed contract, I want the contract that shows that this account belongs to me, I also want to see the last billing statement from the original creditor, the date of my last payment, and when it was that the collection company bought the debt. Is Resurgent Capital Services licensed to collect this debt in my state. I want all of this documentation in order to prove that this debt belongs to me, I want to see the original contract, I have never done any type of business with any of these companies, nor have I ever signed any contract with them. The paper that Resurgent Capital Services sent to me does not prove that the account belongs to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Under the Fair Credit Reporting Act. I reached out to the company informing them that the Texas Statute of Limitations had expired on the alledged Debt they claim I OWE and stated that I wanted the Debt removed from my Credit report due to being beyond the Statute of Limitations and the rights provided to me by the FCRA I have records that show after I sent the letter about the statute of Limitations they have Violated my rights multiple times by changing the Balance to make it seem like a current debt when infact the report shows it was closed in XXXX XXXX almost 5 years ago. In the most recent letter dated XX/XX/XXXX Claiming they Determained my account was reporting accurately. 
There is NO accuracy to any account when it has expired the State 's Statute of Limitations anyway I have copies of such I can upload as proof. Each item will show that Oportun is trying to miniulate the Debt to restart the Date or attempt to make it appear to be current by making changes to it as it shows on my report this is obvious straight Violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TX
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:
After recently reviewing my credit report I noticed that there are several fradulent hard inquiries that were not authorized by me. 

These inquiries are negatively affecting my credit score and I would like to have them removed as soon as possible. 

I have also contacted the FTC regarding this matter, and there is paperwork documentation on file for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with non-monetary relief