BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: GA
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to Transunion. These accounts have deducted over XXXX points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.

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 2022-06-20
Company: EQUIFAX, INC.
State: TX
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 XX/XX/XXXX Account # XXXX withXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear US Dept of Edu/ Cfpb XXXX I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I decided to pay more my mortgage so I would pay less interest. On XXXX XXXX and XXXX XXXX I made payments of XXXX. I was told later the second payment would be same as the first payment no extra principal would come off. I ask to apply the XXXX XXXX payment to principal. They agreed but said it would take XXXX days. I didnt see the payment applied to principal so I call was told they would extradited it. That didnt happen. I made my XXXX and XXXX payment all the time asking for XX/XX/XXXX payment to be applied to principal balance. They kept saying it would be. I also paid an additional XXXX on my principal balance XXXX XXXX XXXX. I had to keep asking for it to be applied to principal balance and it was not done until XXXX. I ask for all the principal to be applied back to when I paid it. They also would not except my XXXX payment. I tried to get a XXXX XXXX law student to help that work. You are my last Hope. IF you are able to go back and look at my montage from the beginning you will see they did wrong all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..

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 2017-08-22
Company: Experian Information Solutions Inc.
State: AL
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 paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, XXXX and Experian and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: GA
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:
Here we are again, Equifax is steady stalling instead of fixing MY problem! This is completely ridiculous and incompetent of them. I have already provided the ACCOUNTS that are ID theft in my complaint but yet they are STILL asking me to list the accounts that need to be investigated. Are you serious?? YOU all are asking for legal action to take place. REF the previous complaint for when they asked me once again for the accounts that I am referring to XXXX. 

I will attach my ID theft report one last time. You all need to do your job as a consumer reporting agency. You have failed to uphold your grave responsibility as required by the FCRA to ensure the maximum accuracy of my information as the consumer and do what is fair and equitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: AL
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 paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Phillips & Cohen Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Information belongs to someone else

Complaint:
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.

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 2019-11-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a request to investigate personal information as well as accounts I did not recognize on my Experian report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

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 2022-06-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # 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 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 non-monetary relief
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.

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 2022-06-20
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company offers a line of credit called the flex loan. When I draw money, it says my monthly payment is for example, {$240.00} for that amount that I drew. At first, they charge only that amount. The next month they add on what they call it a customary fee, which takes my monthly payment from said amount of ( example : {$240.00} ) to now over {$1000.00} a month in monthly payment. How is this legal? This is robbery!!! The amount of this customary fee was never disclosed at the time of drawing and never disclosed in truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo failed to address issues and questions presented in a previous CFPB complaint. Generally, it concerns a failure of Wells Fargo to communicate information related to mortgage modification options and past principal/interest calculations. Please see attached letter for more details.

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 2017-08-19
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 On XX/XX/2022 on deposited a check for the amount of {$35000.00} dollars from my credit union with over {$130000.00} dollars worth of cash funds into my Chase Bank Checking Account. At the time of the deposit the teller advised me that the the check for {$35000.00} in sufficient funds would clear in my chase checking account within 24 hours. 

While I monitored the above listed banking transaction on a daily basis with my lab-top computer and I had witnessed that chase would not transfer my {$35000.00} dollars cash funds for a total of XXXX days. It is important to note that the funds from my credit union account were withdrawn from XXXX XXXX account in XXXX working days from XX/XX/2022 according to my credit account monthly statement and Chase Bank failed to transfer my {$350000.00} do my Chase Checking Account for another XXXX days. 

It is important to note that when I deposited my {$35000.00} credit union check into my Chase Bank Checking Account on XX/XX/2022 Chase Bank attached an alert message regarding special investment opportunities regarding {$35000.00} check deposited even though the {$35000.00} dollars did not clear in my checking account for another 12 days. 

By Chase Bank 's failure to transfer and clear my {$35000.00} dollars cash into my long term checking account has created a hardship and penalties with payment responsibility. 

I AM REQUESTING TO BE COMPENSATED MONIES DUE TO NOT BEING ABLE TO ACCESS MY CASH FOR PAYMENTS TO CREDITORS. 

RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
Equifax allowed my information to be stolen during a data breach reported on XXXX17

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Under the FDCPA, debt collectors are prohibited from Abusing or harassing a consumer by, for example, repeatedly calling their telephone or letting it ring continually.

Company response to consumer: Closed with non-monetary relief