BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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: Their investigation did not fix an error on your report

Complaint:
The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor XXXX. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in XXXX in regards to this issue and have not heard back from XXXX, XXXX and Transunion. They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of XXXX being breached. I even had to call to remove addresses that I 've never lived.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the XXXX complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.

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 2019-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 settled out with a. Electric utility bill, two credit card bills, and a cable bill. I settled out with all pasted due collections debts on my credit report. there open but still saying it was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX2017 an unnamed person contacted my husband, Aunt and place of my employment claiming to be a Process Server on behalf of Advance America trying to collect on an unpaid debt for the business and that if i did not pay immediately that I would be arrested and sued criminally for my failure to pay. I gave said individual my debit card information fearing for myself, not knowing that it was a scam until after my husband contacted me to tell me he had done a bit of his own investigation and talked to a representative at this site and found that each number used for contact and the website info was all false. I have since contacted my bank and put stops on all of our accounts. Numbers used to contact us : XXXX & XXXX by scam artist.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: NJ
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/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-10-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This property belongs to an XXXX XXXX  XXXX XXXX XXXX The family was left with these properties without a will. 
They had to go to Court and fight to try and save the properties. 
They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. 
When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. 

Now a person has been calling by the name of XXXX from XXXX. 
There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or 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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. Transunion and XXXX have ignored me in violation of the law.

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 2017-06-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
O n  XX/XX/XXXX  I recei ved a summons for a civil suit from Midland Funding in the amount of {$5700.00}. I dispute the legitimacy of this claim and I feel that I am the victim of retribution, as I just won a case against Midland on   XXXX  . I have been tied up in court proceedings with Midland Credit Management since I received their FIRST letter that i was being sued civilly on   XXXX   XXXX   XXXX   XXXX  . For over 3 months Midland had encroached upon my time, resources and sense of well-being, as well as been harassing me through endless phone calls for someone that is not even me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert for my  XXXX  credit report on  XXXX / XXXX /   2017  that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of  XXXX  dollars to my credit report. This collection account was added on  XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD

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 2021-04-01
Company: WELLS FARGO & COMPANY
State: FL
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:
on XX/XX/2021 and XX/XX/2021 I was charged {$35.00} on XXXX payments which are automatic payments to the recipient. I called Wells Fargo and their point is that the wire fee needed to come out of the payment so that didn't leave enough to cover the payment that was automatically sent from the account. This is unfair banking practices towards the consumer. In a global pandemic, it is absurd to charge the customer on monies that have cleared 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 monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: MI
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 act XXXX XXXX account number XXXX  has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Monterey Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX or XXXX my wife and I went to XXXX Fl and was required to sit in on a timeshare presentation. At the end we sat down with an individual from the presentation who talked to us about a vacation timeshare who also advised we had 90 days to cancel if we decided it was not for us. We did make a payment but we also canceled within the 90 days. Sometime later when we decided to purchase a home this appeared on my credit and has been growing ever sense. I do not owe any amount on this because I canceled within the time I was told. This has ruined my credit and I did take the steps to delete this from all three credit Burroughs but they did not delete it. I want this deleted forever from all three Burroughs. My wife has spoken to Monterey Financial and explained all of this more than once, she also recorded the conversation that included them verifying that we must pay in full and cant use the package until paid in full, as well as other ppl are paying this same package so my wife said that is double dipping and illegal! She recorded this information so that it can be handed over to a lawyer if this is not resolved before hand in an easier manner. The amount was first around 4900. But has more than doubled since the beginning. XXXX XXXX  was the timeshare company and Monterey Financial is the one reporting to my credit, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2020. I went to XXXX XXXX to check if i could be approved for a loan. I made sure to make clear that my credit would be ran through only once for the indicated loan. My credit was ran a total of six times. The Inquiries go as follow, XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX  XXXX, XXXX/XXXX  XXXX. As a result of these inquiries my credit score decreased a total of 40 points. I only gave authorization for one credit check and the rest were done without my consent.

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 2017-06-02
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
my consumer rights were violated by Elan Financial services. I XXXX XXXX applied to enter into a consumer credit transaction with Elan financial services which was denied. as a result of this adverse action Elan financial services is in violation of 15 USC 1602p which defines the term unauthorized use as meaning the use of a credit card ( my ssn ) by a person ( your company ), other than the cardholder ( me ), who does not have actual, implied, or apparent authority for such use, and from which the cardholder ( me ) receives no benefit. 

And as a result of this adverse action this has negatively impaired my credit and gave me no benefit.

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 2019-08-07
Company: Experian Information Solutions 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:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my XXXX, Experian and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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 2021-05-23
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 Caine & Weiner was sent a debt validation letter along with a cease and desist letter through certified mail. Ive requested proper validation pursuant 15 usc 1692g of the FDCPA. Ive also requested to see a contract between Caine & Weiner and I showing that Ive agreed to pay an alleged debt. I did not consent to, authorize nor benefit from Caine & Weiner account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Every time I try up upload supporting documentation to this loan servicer the website is inoperable. No one responds via " customer service '' when you email them about the issue and when you call you are promised a call back with no response. This servicer is clearly doing this by design and it is not an occasional occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
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:
I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Bank of America regarding a return item fee on my account. I explained that the cutoff on the ATM machines state the business day is over at XXXX XXXX local time and I thought that was across the board but the app has different information and list it as XXXX XXXX ET. I spoke to XXXX # XXXX, a supervisor who basically informed me that is was my error and it was just MY account that was not eligible for courtesy waiver even though my account has never had the issue before. I asked per policy and procedure shouldnt all accounts be treated the same? She said yes per fed regulations they had to but MY account was not getting a courtesy waiver. She basically said depending on the account, Bank of America can or can not make the decision to waive the fee. I have had a similar issue with Bank of America in the past. What criteria do they use to determine when fee waivers occur if the customer is at fault? What makes my call to BOA for courtesy waiver different than another customer who calls in and misses the deposit cutoff time and request a waiver? I would like that information from BOA as well as the {$35.00} fee waived if it can not be provided, because all customers are not being treated equal. What is the basis of the unequal treatment is it gender, race, religion, geographic location? I would understand if there was a policy in place and no one received it, but to just say no when I have never asked or had this issue before is ridiculous without a reasonable explanation when it is something that is offered to some customers. They need to provide data showing the race/gender of customers that are offered fee waivers. Would that data be skewed? Does it favor particular groups?

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