BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: CA
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:
The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do now?

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 2021-06-08
Company: CNG FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The XXXX XXXX sent SEVERAL harassing texts to family members indicating they were a law firm trying to reach me and sue me! They even called my elderly mother and harrassed her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Southwest Business Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XX/XX/XXXX I used the VA Home loan and I am a XXXX   veteran. I have made all my payments on time the entire time I have owned my home. In XX/XX/XXXX, my house payment was kicked back to my account. Unbeknownst to me, SWBC changed the payment portal website and did not notify me in any way. When I called to find out why my payment was sent back to my account, they told me that they have a new payment portal and to use this website from now on. So by the time my payment was processed again it processed on the 31st day so it was late. I paid XX/XX/XXXX and XX/XX/XXXX payment together and I was told I was current and up to date.

I go to purchase another home utilizing a different company and on my credit report it showed XX/XX/XXXX was late. When I go to dispute it, it was taken off and then moved to XX/XX/XXXX on my credit report. SWBC refuses to write any type of letter saying that my account is in good standing and current when it is. I have nothing late and the one payment that was late would not have been had it been processed the first time and I was notified of the payment portal change. I feel like they are hindering me of a purchasing a new home with a different company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't often check my credit report, however today I did. Upon logging into XXXX I notice my credit scores dropped and I had a derogatory problem on my credit. Upon looking into in it was for collections of {$2400.00} from a XXXX  account. Thing is I don't personally use XXXX, nor do any members of my immediate family ( we use XXXX XXXX XXXX  ). I have a XXXX work phone and if this was a real issue I'm certain my company would have informed me. This charge is fraudulent and I have no intentions of paying any of it especially for how insanely high the charge is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two WELLS FARGO store accounts and they are incorrectly reporting that I have disputed the accounts which I HAVE NOT. The credit bureaus are telling me that every time they remove the incorrect remark from my credit report that Wells Fargo reports it again each month when they report my payments. This is absurd and this needs to stop. Wells Fargo has been found guilty of creating fake accounts, they have been found guilty of costing people a mortgage and now they are making false, unverifiable statements on my credit reports each month. I am attaching a copy of the credit report remarks as proof as well as a scanned copy of the two account cards that are verification of the accounts in question. I simply want the remarks to be removed from my account permanently and for them to not put them back on my account when they report each month. 

If they do not want to honor my request then I will have the State Attorney General to step in and investigate and I will have no choice but to sue them. This is disgraceful that they would do this to me each month and I want it to stop. 

I am paying you guys each month, you have closed the accounts so why are you trying to harm me. I am trying to get a mortgage and can not do so as long as you are putting these negative remarks on my credit report. 

1. XXXX acct XXXX ( See attachment ) XXXX 2. XXXX XXXX XXXX ( see attachment ) 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 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: NY
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:
Equifax is not properly monitoring my credit report and score. They are unwilling to work with the consumer to make adjustments to reports that could increase scores. Items that are indicating would raise my score I am unable to attain because my score is so low. I can not acquire a mortgage or loan while it is suggested that I do so to increase my score. I need my score to read GOOD standing in order for me to be in good standing. There is zero opportunity to increase my score with Equifax. They would like the consumer to be patient with them however in this pandemic no one is being helpful. 

In fact Equifax could not give me a respectable answer as to why my score was low. They did tell me that because I dispute something on my report that brought my score lower. WHy would disputing something that they are already reporting that is affecting my credit score bring it down lower? Is that retribution for challenging them? How is that fair to the consumer. The consumer should have the right to challenge their report and score with ZERO PENALTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Made a payment on the loan leaving a part due balance. I have consistently made a conplete monthly payment on my car loan for over 6 months but my lender refuses to consolidate late fees and reset the car loan in order to reset the loan. They call literally call DAILY for the past due balance and each time I tell them I can make the monthly payment again in 30 days. They call each and every day and demand the past due amount even though I pay them every month. Why they won't reset the loan is troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint number XXXX. 

Rushmore Loan Management Services stated in response to this complaint that they would remove the " certified funds only '' restriction from my account and would stop withdrawing money from my account. I received a letter dated XX/XX/20 which shows that they again tried to withdraw extra money from my account ( without authorization ) and placed me back on certified funds status when my bank blocked their attempt. They continue to threaten me with these letters Even though I've never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX XXXX XXXX USDOEXXXX  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 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 an 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: The CBE Group, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the pandemic I lost my full-time job. I was unable to pay my rent and bills. I had to make a decision and I decided to leave the home I rented to live with a family member. During that time I reached out to XXXX XXXX XXXX. I explained to them my situation and asked if I was able to get on a payment arrangement. They said I was unable because I had turned off services. I explained to them that I don't want this to go on my credit. I made it clear that I couldn't pay {$520.00} straight out my pockets. They still refused but made me aware that it doesn't go on your credit right away and that it could take almost years. I then reached to the Public Utilities Commission to make a complaint. After they investigation, they indicated that they couldn't do anything. Now again they sold my gas account to a collection agency. The collection agency The CBE Group INC- Former is asking me for money. It is against the law to sale personally information that I didn't allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: IA
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:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # 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 2017-09-07
Company: EQUIFAX, INC.
State: IA
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:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-14
Company: Bell Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX called from Bell Global solutions and said I had a XXXX? XXXX ... When I asked her for proof of debt and my signature on the form she said they couldn't get that... she was then very rude and condescending ... .she didn't verify my information before discussing anything!! Called back after I told her not to!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I made a {$220000.00} payoff on our mortgage. The XX/XX/XXXX regular payment had already been made with interest paid through XX/XX/18. Instead of charging me interest for 8 days in XXXX, the mortgage company charged me interest through XX/XX/XXXX even though they had the funds. The interest on the {$220000.00} balance@ 3.75 % should have been {$180.00}. They charged us {$710.00}, or {$520.00} excess. They deny any wrong doing and/or mistakes were made and caused the payoff process to be delayed by over 30 days at which time they snagged us for additional funds with which to pay the real estate taxes 20 days prior to the due date. If this is their standard procedure, they are bilking the general public by millions of dollars annually. According to them, I failed to get a " formal '' payoff quote prior to remitting the payoff funds. Copies of all correspondence with them and payment records are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: AZ
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, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.

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