BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX Re : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XX/XX/XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: FL
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:
I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, XXXX, and Equifax ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX Equifax and XXXX all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CL Holdings LLC
State: OH
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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:
I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-25
Company: Lionstone Holdings Group
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to lionstone holding who sent me a letter via email. This debt was said to be {$490.00} from XXXX XXXX XXXX. I believe the debt collector falsely posed as a process server

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus Experian, XXXX  and XXXX to remove late payment to no avail.

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 2021-01-21
Company: EQUIFAX, INC.
State: CA
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 : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Wells Fargo closed my debit card, without any warning whatsoever, because I accidentally pressed order multiple times on XXXX. The app instructed me to resubmit, due to error and I never received any verification request from the bank, so I assumed it was a glitch. At this point, I didnt even know that my card was closed. I contacted support right away, via their apps chat and spoke to XXXX, who informed me that the card was automatically closed by the bank because I was re-attempting XXXX, XXXX, and XXXX charges. XXXX automatically attempts to reprocess charges if an order doesnt go through when they are trying to ship it. I also tried moving some money to my XXXX  account because I thought that maybe it would work at XXXX  if I tried a different card. XXXX instructed me to visit my nearest branch to request a new card. I visited my nearest branch on XX/XX/XXXX & spoke to a banker, who had absolutely no idea why my card was even closed, but informed me that his manager would have to override the request to issue a new one. He stated that his manager was currently out of office and in XXXX  & did not know of her expected arrival. All that they could offer me at the present moment was an atm card and he suggested that I come back another day. I am XXXX, on limited income, and nobody in my household has a vehicle at this time so I cant just go another day, especially if my card is disabled ( preventing me from requesting XXXX  ). This is the only card that I had at the moment and my direct deposit goes through them. I attempted to explain this all over again to multiple WF representatives but none of them were able to assist me or close my account. It is now about to be XXXX and I still dont have a card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please Help!! Have a Buyer for my home, doing a short sale with Rushmore Loan Management Services, who in turn, has us negotiating with there foreclosure law firm XXXX, XXXX XXXX XXXX, PC only to find out we have the short sale denied, we have countered with a higher offer but have been shut out with no further communication from there attorney. We have attempted to reach out to Rushmore Directly only to find out that they will not talk with us because we are in litigation, and will only talk to us if we withdraw attorney representation which would leave us unprotected. At this point I can not afford any additional attorney representation and my options are dwindling. I still have my buyer who wants the home who is willing to go higher in price.I believe that the reason there foreclosure attorney will no longer negotiate with my attorney is because they will obtain a higher fees if they foreclosure on the home. I have contractor estimates and photos to show Rushmore but they will not look at it, just by way of background this was with XXXX and then transfered to Setarus, and on the verge of an approval and was transfered over to Rushmore. I have even attempted to reach out to XXXX XXXX, Rushmore 's Ceo '' s office but would not be put thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This unknown account shouldn't even be appearing in my file, from what I know. I don't know where you got the following account as I do not recognize it absolutely. Its my second letter and I hope it will not be ignored again, please delete this item because I am identity theft victim for sure. How that possible you just start reporting unknown account in my profile? Come on remove it forever!

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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened XXXX credit card with comenity XXXX of XXXX sent a copy of OHIO orders on XX/XX/XXXX to XXXX XXXX XXXX XXXX for the Ohio SCRA act. Due to comenity only following Delaware and federal laws they refuse to follow a consumers home law. However, Delaware also extends out the SCRA act to service members even while active duty. Followed up with state laws from XXXX on XX/XX/XXXX with proof of SCRA act extending to members stationed in Ohio. They still refuse to follow Ohio law and the federal law that allows states to extend the SCRA act to their active duty members. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play. 

so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for. 

so here is the message i sent t o rushmore loan management services. 

my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice. 

please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015. 

as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Dyck-O'Neal, Inc.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX separate agents at Ace Cash Express have been contacting the references on my loan application and disclosing not only the details about the loan amount, date taken out, and payment due - but also confidential personal information that was contained in my application including my salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Federal Credit Union Checking Account has been hacked! 

1st- XX/XX/2021 POS Pinned Purchase InstaCash/Repayment XXXX  XXXX  XXXX {$350.00} 2nd- XX/XX/2021 POS Signatured Purchase MONELION XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
As part of an identity verification after failing to receive verification codes via text, the Social Security Administration uses Equifax for soft inquiries. SSA sent a letter to my attention with a verification code and stating that Equifax will be used, which means my credit freeze with them has to be lifted temporarily. The SSA letter has an expiration limit and Equifax 's website has been down and I can not lift the freeze. I attempted to call them and received the same answer, their system is down. How then can someone finish this process. Equifax needs to be held accountable or shut down.

Company response to consumer: Closed with explanation