BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
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:
I would like all hard inquires removed of my credit report it. 

XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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:
I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Flagship credit XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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.

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 2020-04-21
Company: TekCollect 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 information incorrect

Complaint:
XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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 2022-02-27
Company: EQUIFAX, INC.
State: PA
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:
These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, Equifax any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, TRANSUNION AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.

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 2020-03-03
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried on multiple occasions to contact the company with no success. On XX/XX/2020 I sent a written letter to the address indicated on their website to inquire about ending PMI payment and discrepancies on my escrow account. I received no response. Since then I have called numerous times and customer service representatives are unable to help. The phone system is complicated and it takes at least 10 minutes of clicking yes or no to reach customer service representative. I inquired about ending PMI payments because I was not aware they were being charged to my account. I also inquired about closing my escrow account because it always seems to be in a shortage even as my taxes and insurance are decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Not sure where to begin ... Please look at previous complaints against Wells Fargo and Debt Buyers : CFPB Case Numbers XXXX, XXXX, and XXXX. These complaints were submitted in XXXX of XXXX while in the middle of my court battle with the Debt Buyer. Wells Fargo really did a number scamming me out of my vehicle AND I was a service member. I just hope that in the limelight of the recent scandal and settlement that those that have been affected so much are truly compensated. Not to mention that during all of this I was completely unaware of the fact that when I financed the van through Wells Fargo in XXXX, that they put my interest rate @ 21 % which they should n't have went over 6 %. I was a service member at this time and should not have had to go through what they put me through, or my wife. I finally gave up in court and settled with the Debt Buyer. I feel that Wells Fargo should compensate me for all the money and distress I went through as a result of their negligence. I have XXXX of court paperwork. They need to be aware of how much pain can be caused because debt buyers and big banks decide they are going to use shady tactics against everyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, XXXX from XXXX contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. XXXX had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of XXXX was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by XX/XX/XXXX. But we never received any paperwork for a modification. We have requested a refund from XXXX, which was addressed to client relations. We were told in XX/XX/XXXX that we would get a refund within 45 to 60 days and we still have not received our refund of {$2700.00}. Subsequently, a second request has been sent to client relations, but no response. I am attaching the second request and the XXXX ruling. Thank you for your assistance in this matter. We had our VA representative to contact Freedom and he was informed that they had received a cease and desist from XXXX but nothing else.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I checked my credit score today so as of XX/XX/22 it is XXXX. It went down XXXX pts because I decreased balance by {$390.00} and {$450.00} on two loans. I spoke to XXXX and her supervisor XXXX both said there was nothing I could do but hire a XXXX XXXX and there was no one I could talk to about this at Experian, no other supervisor or anyone about score decrease. XX/XX/22 went down XXXX pts when I decrease balance by {$51.00}. I'm confused, in the past and everything I have been taught is credit score is supposed to go up not down when I pay down creditors. Can you help please? I have another issue of my score going down XXXX pts ( on Experian & XXXX pts on XXXX ) for {$11.00} missed payment with XXXX. I have been with XXXX on this account XXXX months and have never missed a payment ( always pay in full ) even though I have NEVER received a statement from them. I called them and they said you are signed up for email billing, we verified email on acct and still I get nothing. I stopped email billing XXXX months ago and still have not received paper billing through the mail. Frustrating to say the least. Please help!! I am XXXX about keeping my credit good and score high. Thank you, XXXX XXXX XXXX After speaking with XXXX and XXXX now I can't get into my account and its now says I do not have an account

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 2017-11-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX a judgment was filed against me in the amount of 3700+. In XX/XX/XXXX, I received a notice from XXXX XXXX that the amount from court order was for 4000+. I had called Midland and they said it was for the XXXX amount rather than the amount that was on the court order for 3700+. I had also informed them that due to only having social security benefits as income I could pay $ XXXX/mo in the form of a money order. They refused saying it had to be by check. On XX/XX/XXXX I received a notice from my son 's bank that they had frozen his checking account due to a citation to discover assets and that there was a court date on XX/XX/XXXX. When I checked the court docket in XXXX county, it appears that there were notices and motions filed in XXXX that I was never made aware of. I believe that XXXX XXXX for XXXX XXXX has broken a couple of federal laws in the federal debt collection practices by 1. going after my son 's checking account which only had his payroll directly deposited and 2. by falsifying  the dollar amount on the citation to discover assets as it did not match the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRUIST FINANCIAL CORPORATION
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:
Got initial notice from XXXX XXXX saying there was a credit check done by Truist. then received a letter from Truist that this request was determined fraud and they closed the account. 
Account number that was created : XXXX Truist caught this was fraud and closed the account to protect 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 2022-07-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
First Wire Transfer Issue : {$58000.00} - Failed domestic transaction to XXXX / XXXX XXXX, " lost '' in HSBC 's system. 

At the end of 2021, I was on a tight deadline to buy pre-ipo shares of a company I had just left ( XXXX ). I ended up doing an XXXX transfer from my XXXX XXXX XXXX account, but sensing that it might not make it in time, I initiated a wire transfer from my HSBC account. XXXX made it through and paid for the shares. The HSBC wire never made it and has been in limbo ( not returned to my account ). 

Numerous calls with HSBC customer service have been dead ends. Responses range from " the money is on its way back '' to " it's the wire department 's issue '' ( who are notoriously hard to contact ) - to " contact the recipient. '' I recently spoke with the XXXX XXXX team, and their records indicate that only the wire from XXXX XXXX  XXXX made it through to their end. 

I will need this money soon and am reaching out in desperation and waiting, hoping it would eventually be returned to my account to no avail. 

To complicate it further, HSBC has transferred my account to XXXX XXXX. 

Second Wire Transfer Issue : Failed International Wire {$5700.00} Also at the end of 2021, I initiated an international transfer that got returned. Again, I asked HSBC to return the money to my account, but it remains, as far as I know, stuck in a wire transfer limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Senex Services insists that I owe {$480.00} for a medical debt. They have refused to provide proof of this debt despite my several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my billing.

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 2016-09-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.

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