BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: ZARVAD III S.A.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I TOOK OUT A PAYDAY LOAN A WHILE BACK WITH MYPAYDAYLOAN.COM FOR {$1400.00}. I PAID THEM BACK WHAT I COULD AND THEN IT WENT INTO DEFAULT CAUSE I GOT HOSPITALIZED. THEY LOAN AGENCY TOLD ME THEY WERE OUTSOURCING THE COLLECTION OF THE ACCOUNT TO XXXX XXXX XXXX. NEVER HEARD FROM XXXX AND THEN ALL OF A SUDDEN I STARTED GETTING VOICEMAILS FROM XXXX XXXX XXXX OF XXXX, NY. THEY HAVE CALLED ME FROM SEVERAL DIFFERENT NUMBERS AND GIVE ME NAMES FOF XXXX XXXX AND XXXX XXXX, BUT IT SOUNDS LIKE THE SAME PERSON. THEY HAD ME SO FREAKED OUT CAUSE HE SAID HE WOULD SUE ME FOR THE PAYDAY LOAN. HE ALSO CALLED VARIOUS MEMEBERS OF MY FAMILY AND MY SUPERVISOR AT MY JOB AND KINDA TALKED TO HIM ABOUT ME AND THE DEBT. HE CALLS FROM XXXX, & XXXX EXT XXXX FILE NUMBER XXXX. I HAVE BOTH VOICEMAILS SAVED ON MY PHONE AND I HAVE A LETTER ALSO FROM THEM CONCERNING PAYMENTS. I WAAS STUPID AND PAID TWO MONTHS TO THEM ALREADY THEN DID SOME RESEARCH ONLINE AND IT SAID TO NOT PAY THEM ANYTHING AS THEY WERE A SCAM, AND USING SCARE TACTICS TO GET PEOPLE TO PAY. NO LONGER WILL MYPAYDAYLOAN WORK WITH ME EVEN THOUGH I HAVE TRIED TO EXPLAIN TO THEM WHAT THIS FLY BY NIGHT SCAM IS DOING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: OpenRoad Lending
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a mailer from open road lending  on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. 

When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-17
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company call today and said that they will be delivering me documents filed to take me to court and could deliver at my job. The name of the company is not mention, only the debt they are collecting for Advance America, XXXX XXXX XXXX XXXX.
Case XXXX. Stating this is for fraudulent check wrote to the pay day loan place

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2021-08-24
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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.

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: 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XX/XX/XXXXAccount # XXXX,XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXXr Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights XXXX 

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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the beneficiary of my late husband 's traditional XXXX  XXXX account held by U.S. Bank. I notified them on XX/XX/XXXX of his passing. All requested paperwork was mailed XX/XX/XXXX to : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 

XXXX ( that US Bank specifically requested ) was resent via mail and fax on XX/XX/XXXX. 

Spoke with bank clerks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

I am the sole beneficiary of the account and am requesting the account closed and check mailed to me 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
Consumer complaint received 2021-08-24
Company: Experian Information Solutions 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:
To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.

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 2021-08-24
Company: EQUIFAX, 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:
To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a personal loan on XX/XX/2020. I was approved and Upgrade Inc. wanted additional information to finalize the loan, When I saw the apr, I deleted the email and never finalized the loan. I later got an email a few days after that stated my loan will be deposited into my bank. I notified Upgrade Inc. instantly via phone call and email to cancel the loan and asked who completed the  finalization paperwork since I didn't do it. They apologized and said the loan would be cancelled. The loan was retracted from my bank on XX/XX/XXXX. XX/XX/XXXX, Upgrade tried to retract the loan again, after it'd gone through. XX/XX/XXXX, the XXXX retraction was declined by my bank. I've sent at least XXXX emails between then and now, called at least 8 times and have been assured they will cancel my loan. I have many emails to back up what I'm saying as Upgrade Inc. did apologize after they personally spoke to a rep from my bank. Upgrade has sent my account to collections which is negatively impacted my credit score dropping it by 21 points. I expect Upgrade Inc. to fix this problem ASAP.  Otherwise, I'll pursue legal council. 

XXXX  Link : https : /XXXX XXXX XXXX   XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have. 


I only have the one social security no, only one. Only the correct one should be listed. 
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 2022-02-04
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debit was disputed and removed from credit report by a prior debit collection agency. No signed contract nor promissory note on said debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: AL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2021-03-10
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: Account status incorrect

Complaint:
My student loans that have been closed for several years are suddenly reporting as new late payment damage on Equifax. This is unacceptable and the accounts must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have an account with Wells Fargo, I got money on  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  , when I saw my account on  XXXX / XXXX /  XXXX   I had not money on my account!, I made a report to Wells Farg o ( t hey took {$300.00} ), f that were disappear from my count, they said I got the money on  XXXX / XXXX /  XXXX   and after it they said a different date they said  XXXX / XXXX /  XXXX  , but I did n't do this transaction!!, Wells Fargo took {$300.00} dollars from my account!! I was saving this money for my  XXXX  mortgage payment!, they still telling me I made the transaction. but I did n't do that, I want to make a complain because they stole money and does n't wants to be responsible by they actions.

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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One. 

Due to Covid last year, I was unable to make payments and they told me that it was OK to defer payments for a period of time. So I did and I got finacially back on my feet within the time frame they wanted. I began to pay the minimum payments and have been below my credit line. 

It has been restricted however, and I called them and they said it was permament?! What gives? Following what they told me to do and now not allowing my access?

Company response to consumer: Closed with explanation