BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: RI
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:
I tried to pull all of credit reports on XXXX and I was not able to pull my XXXX  report or my equifax report. 
XXXX  didn't even ask me security questions, i received this message : A condition exists that prevents XXXX  from being able to accept your request at this time. 

Equifax did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX Miscellaneous Banks XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX Miscellaneous Automotive XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/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 2015-05-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in XXXX. They also told me that there are multiple accounts open in other states, also " XXXX XXXX XXXX XXXX '' a debt collection agency in XXXX XXXX, XXXX XXXX keeps calling me and family members in trying to collect money for furniture I didn't buy in XXXX. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.

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 2022-02-23
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I started working on my credit report because I have a car loan from XXXX XXXX XXXX  with a balance of {$21000.00}. 
When I started disputing that account, I did it, because in XX/XX/XXXX I had an accident and my insurance cover a payment on the value of the car. 
I contacted XXXX XXXX XXXX  an ask them for all the information they have on that account, knowing that my balance couldn't be {$21000.00}. After two months of sending them correspondence, I didn't received any answer. Until XX/XX/XXXX, XXXX when I call them via phone, and they told me they don't have any account under my name, but I could call to GATESTONE COLLECTION COMPANY. After that, I called this company knowing the car appears on my credit report as a WRITE-OFF and under XXXX XXXX  XXXX. When they answer the phone, they told me they have an account under my name with a balance of {$1700.00}. 
I asked them to sent me all the copies of proof they have and they sent me only one letter with some inaccurate information, like my address, my name on the address section, my grandma 's name. and that balance, they haven't sent me any proof on how much the insurance paid, or why do I own them that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original mortgage was with XXXX XXXX  and as part of their mortgage package they offered a rate renewal for the cost of one months mortgage payment for the life of the loan. The mortgage note is currently held by XXXX XXXX  in Delaware. I have attempted to contact them several times by phone and email in XXXX with no return calls or emails. On XX/XX/XXXX I contacted the office in Delaware and expressed my desire to renew my mortgage rate as per the terms of my original mortgage. Later that day I received a call from a loan officer and after explaining to him about the XXXX rate renewal he told me that since they now held the note the terms of my mortgage were no longer valid and I would have to go through their mortgage process if I wished to renew. I told him the terms of the original mortgage are to be retained no matter who is holding the note. At that point the conversation ended.

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint Against : Business Name : Capital One Financial Corporation Address : XXXX, VA XXXX Phone : ( XXXX ) XXXX I started a dispute through my credit card company, Capitol One. I was disputing a charge from XXXX XXXX  XXXX because our trip was cancelled by the airlines when World Governments declared COVID19 a Global Pandemic. Initially we were told by XXXX XXXX  customer service representative on XX/XX/XXXX that we could cancel our tickets and receive a refund due to COVID19, or that we could keep our tickets open and use them to go on our trip at a later date  BUT that even then, the tickets would expire on XX/XX/XXXX. At that time, we decided to wait to cancel the tickets until I was able to talk to my tour group and find out when the trip may be rescheduled. After that, everything shut down completely and I was unable to get any answers about when or if our trip would be  rescheduled so I called XXXX XXXX  XXXX again to cancel the tickets and request the refund I was promised if I chose to cancel. I have been unable to reach any representatives at XXXX XXXX  since. I will not be going any time before XX/XX/XXXX. I have tried requesting the promised refund online but was unable to complete going through the prompts to complete the contact request because my flight number no longer exists so you can't get through the system to contact anyone. I tried again XX/XX/XXXX and you can not contact anyone at XXXX XXXX  XXXX by phone or internet. I need help in getting my refund and my credit card company refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: PlusFour, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Plus Four Inc Collections replied it sounds like a insurance issue as a smart remark. I have proof the insurance company just recently paid me to pay my medical bills. I never received any notice of the issue and plus four Inc Collections just hangs up on me when asking for a letter to me paying them that will remove the debt as paid and remove from my credit report all 3 credit bureaus negative impact. Also there should not had happen as to the insurance company was at fault not paying after i was the one in the XXXX car and in the car accident.

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 2015-06-24
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone got services in my name from my id being stolen and opened this account its not mine i filed a police report and filed id theft report in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Credit Card company closed my account due to an error on their end. I did not close the account and i do not want to close the account. I have a current complaint issued with them on this matter. They are now reporting on my credit report that the account is closed and that the customer closed the account ..... Which is false. I did not close the 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
TransUnion credit pass complaint to XXXX and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous 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 2016-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I signed up for the Wells Fargo optional Identity Theft Protection program earlier this year. It is a {$12.00} a month fee add-on product and service for credit monitoring, identity theft, and XXXX insurance. 
I called in XX/XX/XXXX to get rid of the product, the customer service agent assured me that the product was taken off and that I will not be charged for XX/XX/XXXX. XX/XX/XXXX came along and I received another {$12.00} fee, I went into the branch to dispute the charge the branch told me that they could not reverse the fee, but that I will not be charged in XX/XX/XXXX. XX/XX/XXXX came and again I received the same fee, this time I called customer service again they told me to go to the branch and the branch told me they could not do anything about the {$12.00} fee. We are now in XX/XX/XXXX and I still have the same {$12.00} fee. 
It has been six months from my initial communication with Wells Fargo and five months have past incurring the {$12.00} fee. That is a total of {$64.00}.

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 2015-07-14
Company: Harvard Collections, LLC
State: TX
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:
HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've submitted multiple legal forms of tender to Capital One Auto Finance, they've been accepted, but not applied correctly at all. I've called to remedy this I've spoken to the President and Resolutions Manager and both indicate they hold Capital One Auto Finance local contract over federal UCC Law. Therefore they are attempting to violate my rights. They've indicated if I keep making legal payments they way I do they'll be forced to take action of their own ( illegal ). Also indicated they are getting other forms of legal tender and behaving they same way. They are in violation and I as a consumer and a sovereign citizen demand remedy and reparations henceforth and forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Convergent Resources, Inc.
State: SC
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:
I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.

Company response to consumer: Closed with explanation