BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: VA
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 received a letter from XXXX XXXX XXXX on XX/XX/XXXX that was dated XX/XX/XXXX that I was approved for credit in which I did not apply for. I called Equifax about the hard inquiry and was told I cant dispute it and XXXX XXXX XXXX would have to remove it. Ive been talking to XXXX XXXX XXXX since XX/XX/XXXX along with Equifax to get this removed with no luck. Ive spoken to XXXX XXXX XXXX theft and identity along with numerous other departments with no luck. XXXX XXXX XXXX does not have accounts for me and they are telling me they didnt run my credit. Equifax told me theres nothing I can do about it. As a consumer how can I just sit and allow a credit company put something on my credit that is not true. My last conversation with Equifax this morning resulted in XXXX a supervisor telling me that XXXX XXXX XXXX denied me credit that is why I have a hard inquiry. I again explained to her that I did not apply for anything with XXXX XXXX XXXX. She said obviously you did and they decide you thats why you have an inquiry on your credit. I am the consumer and this is false information being reported about me and I will not stand for it. XXXX went on to explain that any hard inquiry on your credit is a denial of credit. I find it hard to believe someone who is supposed to be a supervisor at Equifax would say some like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/2020, I was denied an annual credit report from Equifax. At that time, I called their customer service and could not get an explanation for the denial. I called a different customer service number on XX/XX/2020 and was told I did not verify all of the 4 security questions correctly. 3 of the security questions were straight forward and simple. The problem is that one of their security questions was : " What is the numeric portion of your XXXX XXXX address? '' - Being stationed overseas, I do not have a XXXX XXXX address starting with a number. Neither do hundreds of other military personnel and their family members. My address begins with 'PSC XXXX ' so I entered XXXX. This failed to validate. I am submitting this complaint not just for myself, but for others for whom it is impossible to validate this security question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own Experian XXXX XXXX and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. XXXX XXXX is also missing from my credit report. Im a victim in XXXX XXXX   credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

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 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To drop my PMI, Bank of America is insisting that I use their appraisal company that is charging {$570.00} to do a home appraisal. Home appraisals in this area are {$450.00} at the high end some are much lower. They are licensed by the State of Texas so I should be able to chose one on my own. So my complaint is that they are forcing me to use their appraiser and pay a much higher fee. They are also charging {$170.00} for a Stand Product Listing fee. 
It also took two request to get a letter from them that allows me to schedule their appraisers, then I have to mail it to them and wait on a response. They are slow to act and will not give you any information on the phone about if you are near the 80 % mark so you are just taking a chance and paying the large appraisal fee to maybe be told no your not quite there yet. They should look at the appraisal district which is usually lower and be able to give you an estimated time when you would be eligible and not just wasting money.

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 2018-05-18
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My ex / children 's father stole my identity and opened a car loan with me as a couple signer against my wishes. I did not even know this account was on my credit report. They have it charged off and closed and it is not mine it needs to be totally removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXXXXXX  : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2018-05-19
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, 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 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One is blocking me from logging into my personal account via XXXX app. O should have access to my financial data even via a third party app such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX Discover bank closed my checking and savings account for business purposes and said it will take 60 days for them to mail me a check for the money I had in those accounts. I need the money now I cant wait 60 days my bills have to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ABSOLUTE RECOVERY SENT ME A SUPPOSED TO BE LEASE AS A VALIDATION FROM XXXX XXXX XXXX BUT WHEN I LOOKED AT IT IT LOOKS LIKE MY SIGNATURE WAS FORGE AND I HAVE PROOF TO LET YOU ALL ANALYSIS IT AS WELL THIS NEED TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.
I picked up my funds minus the fee of {$11.00} the next day.
I have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.
Note : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!
I found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.
It appears the manager was not even aware of the 30 minute refund policy on back of the re riot.
FYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.
This is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: ResidentCollect, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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 my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an alert from the credit reporting agency that I have a collection on my crtedit report from Amsher Collection service. I have never received any written information about this dept and was not given the oppertunity to dispute or request validation of this debt. They added a collection and then called me to settle the debt after the damage was already done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Public record information inaccurate

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 mailed a requesting to know the source of bankruptcy for my Transunion credit report on XX/XX/2022. Per the tracking # XXXX it was delivered on XX/XX/2022. I have received no response and today date is XX/XX/2022. I have mailed a second response on XX/XX/2022 with tracking # XXXX that was delivered on XX/XX/2022. Im opening this compliant to elicit a response. Both were mailed to, per your website : XXXX XXXX XXXX/transunionconsumers/ LCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please respond

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 2020-02-14
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I signed up with a third party company to handle my pay loan with speedy cash and stopped payments with my bank and changed my debit card number yet they keep hitting my bank account somehow. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took home mortgage to purchase a house with the address : XXXX XXXX XXXX, XXXX, NC - XXXX. 


Better.com did not provide clear instructions about the EMI payments. Even after sending multiple emails to better.com, I could not able to get the details of where to pay my home mortgage EMI from better.com. That caused late payment and credit score drop. I have paid all the late and current EMI payments. Now I need a letter saying that the late payment was done due to miscommunication from better.com. I want to use this letter to dispute my credit drop and remove the late payment remark in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
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 my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian, XXXX and XXXX have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}

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 explanation
Consumer complaint received 2017-08-03
Company: COLLECTIONS USA, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since COVID, I used the COVID forbearance because of financial demands and job loss. Wells Fargo set expectations that the missed payments would be deferred, and consistently told me they would be when I started payments. 

In XX/XX/XXXX, I started a loan modification process to see if the payments could be lowered. That was declined. 

Around XX/XX/XXXX we got a collection call from Wells Fargo saying we were in default and needed to pay $ XXXX in payments and fees. 

On XX/XX/XXXX, I worked with an agent to setup the deferral of payments and began monthly payments on XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I was told that that I do not qualify for a deferral and I am in default by some agents and some agents said I was under review by underwriting, and still other associates said that I need to reapply for a loan modification to seek a deferral. 

On XX/XX/XXXX I received a letter that I need to pay $ XXXX to get out of default for my mortgage and if I did not pay that by XX/XX/XXXX, I would be in Foreclosure. 

My income has increased and I am prepared to make my monthly payment in line with the agreement made on XX/XX/XXXX. I believe that I have been misled and communications and decisions have come from flawed education and automatic system processes. 

After hours on the phone with Wells Fargo, they are stating that the letter saying I am in default and foreclosure will start XX/XX/XXXX was an error. They are reviewing my request for defferal, and will know a decision from the XXXX in 30-45 days from the XXXX. I do not trust they know what they are doing to ensure I do not enter foreclosure on the XXXX while awaiting their decision.

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 2018-06-22
Company: Account Recovery Service, Inc. (WI)
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX won't send me my phone. I believe its being accessed by someone unauthorized. And then won't sent any information about it

Company response to consumer: Untimely response