BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
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: Their investigation did not fix an error on your report

Complaint:
I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.

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 2017-04-13
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card from Pentagon Federal Credit Union was hacked. On XX/XX/2017 at least XXXX fraudulent charges were made and a third attempted. When a vendor notified me of the attempted fraud I immediately cancelled the card and a new one has been issued. On the same day Penfed caught XXXX of the fraudulent charges, it let another XXXX, for XXXX that amount, go through as a legitimate charge and billed me for a {$490.00} purchase I never made. ( See accompanying letter and statement. ) They are grossly incompetent investigating fraud and their attempt to have me pay for such an error amounts, essentially, to a violation of the federal mail fraud act.

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 2017-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I filed a bankruptcy, and my lawyer has tried to g et a hold of JPmorgan Chase to help me m odify the outrageous loan agreement for this student loan. I have faxed them twice, and they never showed up to court. I will default on this loan because my income is not enough to pay this loan, and it will give me bad credit. There is no way to get in contact with the original lender. I just have to keep going through  XXXX   XXXX   XXXX  the servicing partner who will not give me information to co ntact Chase  about the original student loan. I need to be able to speak to them so they can talk to my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX-Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I am the son of  XXXX   XXXX . I opened a net spend account some time ago. I also opened an account with my mothers permission  XXXX   XXXX . As I take care of all her financial issues. I am the sole provider for her.   On  XXXX   XXXX  , 2017 my  sister  XXXX   XXXX  came to  XXXX   XXXX  and took my mother to  XXXX   XXXX  California.   Several days later after my mother left with my sister I received a text message stating that her card  was stolen/lost. Fi rst my mother is illiterate and can not spell and or explain herself as she had a   XXXX    XXXX .   then several days after this I received another text saying that you have been unsubscribed from our system. My mother does not know how to use a computer. This is my sister pretending to be  XXXX   XXXX . Thi s is Fraud.    Then days later I received another text saying that my account had been block for fraud.    XXXX   XXXX  sister  XXXX   XXXX  had called net spend pretending to be  XXXX   XXXX  and said that money was transferred from her account into my account. Yes it was with my mothers Permission. My sister  XXXX   XXXX  is into elder abuse and trying to get my mothers money.   I have on numerous occasion called net spend and spoke to several people about this matter and someone was suppose to call me back and no one has. My account has been blocked and I have not been able to pay my bills, My sons tuition was due last week in the amount of  XXXX  AND I CAN NOT PAY IT AS YOU HAVE MY ACCOUNT BLOCKED. No ONE HAS CALLED ME BACK and they said two days it has been a week and no one has called me. Every rime I call netspend they keep me on hold saying they are going to call me back i n two days. NO ONE  ahs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Wells Fargo so I called the number and believed it to be the bank -- I provided personal information such as my birthday and social security number. The phone number was 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 2022-04-30
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:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : 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 2019-11-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Compliance Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX   AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Hawaii Mortgage Experts
State: HI
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:
Who : Branch Manager for Hawaii Mortgage Experts What : Branch Manager ran a hard credit inquiry on my husbands and I credit report. My husband received a message from the branch manager on new lower VA rate for mortgage home loans and would we like to take advantage of the opportunity. My husband didn't respond to his message till later and replied " no ''. 2 days later we check our credit report and noticed a hard credit inquiry was processed with out mine or my husbands permission. We contacted the branch manager and asked why did he run a credit check without our consent and his response was " we want to save our clients money ''. He then asked what the problem was running the credit check? 
When : XX/XX/2019 Where : The inquiry was under XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Payfare International Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a horrible experience with delays and unnecessary hardship getting a {$2.00} refunded from this company ( see CFPB complaint XXXX ), so I decided to close my Payfare XXXX account. I sent an email requesting that my card & account be closed, and I received written confirmation from Payfare that my account was closed. My XXXX  was also automatically deleted from my XXXX XXXX wallet, and I destroyed the physical card. 

A few days later, I found out that XXXX had issued a {$4.00} refund to the now-closed XXXX  card for an item I paid for but never received. I sent an email to Payfare asking for a check for the {$4.00} refund that was processed to be mailed to me. At first, I was told I wouldn't be getting the refund because I had closed the account. I sent a second email pushing back on this and asking if Payfare would be keeping the refunded money, after which I received an email from another Payfare agent stating he had reopened my XXXX  account without my permission or notifying me first so that I could retrieve the refunded money. 

My login credentials no longer work to log into the XXXX XXXX, and when I use the " Forgot Password '' feature in the app it says that it is sending a verification code to my email which I never receive, despite numerous attempts. Without a physical card or access to the app, I have no way to retrieve the money in my account. 

To make matters MUCH worse, by reactivating my XXXX account without my permission and without notifying me first, current work earnings from XXXX  XXXX  have been diverted to this XXXX account which should have been closed. With the addition of these funds, there is now {$47.00} in this XXXX account which I can not access. 

I have sent the company numerous emails stating that I can not access the app and explaining my frustration, and they seem to have stopped responding. This is beyond unacceptable. I closed this account and received written confirmation is was closed. Payfare had no right to re-open the account without my permission. Merchants can issue refunds on debit card purchases for up to 12 months, and most refunds go straight to the original payment method without any chance for the consumer to change it. It is unacceptable for Payfare to not have a procedure in place for returning refunded monies to prior customers without re-opening their accounts. I know when I closed my XXXX  XXXX XXXX account, for example, when I got a refund to my debit card 6 months later, they simply mailed a check to me for the refunded amount and did not need to reopen my account without my permission to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I learned that I had a debt of XXXX dollars and XXXX cents. I'm not sure where this debt has come from. I've attempted to find out where exactly this debt comes from with no luck using XXXX XXXX. Additionally I was able to learn that the credit agency that holds this debt is from an agency called : EOS CCA located in XXXX Mass. I contacted the number but was unable to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Logged in to make my XX/XX/2021 payment and saw a negative escrow balance of {$2600.00}, this is reflected in a statement from XX/XX/2021. That amount came down to {$2100.00} after that payment got posted, I assume this was due to the escrow amount we pay in our monthly payment. This is reflected in the statements. 



After doing some research I have notice that the {$2600.00} is something I can not account for in any closing documents or statements, other than the one from XX/XX/2021, that shows the negative balance in the first place. 



Applied Date Type Description Amount XX/XX/2021 Escrow Escrow Advance {$2900.00} XX/XX/2021 Insurance Paid Homeowners Insurance Disbursement - {$2900.00} XX/XX/2021 Escrow Escrow Advance {$2600.00} XX/XX/2021 Taxes Paid Tax Disbursement - {$3800.00} Looking at these numbers, we had enough in our escrow from the old loan to cover the property taxes for next year on this new loan. I am not entirely sure where that escrow advance came from on XX/XX/XXXX. There is no indication that we were shy on this account. I can only figure that we should have had a {$0.00} balance when the property taxes got paid. This holds true because Caliber sent us a refund check for the difference in property taxes year over year ( {$4700.00} for last years taxes ). The only source of insufficient funds were for the home insurance, since the premium had not been known, for the next year, at the time of closing. That explains the $ XXXX and we recognized that we owe that. Its the advance I need answers for. What is it, how did it come to be, what was it applied to, why werent we notified? 



To that account, our closing documents say that we made a {$1200.00} payment to cushion the escrow account at closing. I do not see that value in our escrow activity on the new loan, either. This is under Additional Information About This Loan on our Closing Disclosure document. Factor that in and we should really only have a negative balance for the difference in the cost of the home insurance policy from last year to this year. 



Something was either miscommunicated to us in regards to our escrow and closing costs or something was entered incorrectly. I need to know how we rectify it and what this is going to do to my payments going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Their investigation did not fix an error on your report

Complaint:
I have reach out to XXXX XXXX XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item 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 2017-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capital  One Auto Finance has  been receiving verification of late payments on a closed  XXXX   XXXX   XXXX . Account closed in  XXXX . I have given repeated lette rs to Capital One on  the verification in writing my payment history.    XXXX   XXXX ,  XXXX  I submitted a written notice of legal action due to the repeated request of written verification. I received a called on  XXXX   XXXX ,  XXXX  from  a Capital One Finance R epresentative stating that he will research.   Yesterday on  XXXX   XXXX ,  XXXX  I received a ca ll from Capital One Finance stating  that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified. I have never debt verification of my payment account history. Per FCRA rights they have to release late reporting on my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to XXXX and 1 to TransUnion. I did not authorize any such requests. 

XXXX received Inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received an inquiry from - XXXX XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both XXXX and TransUnion ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation