BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: ZARVAD III S.A.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: WI
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 want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with Equifax because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Equifax is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by Equifax. 

# 1 Problem with Equifax is I sent a letter to equifax on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and Equifax FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! Equifax has no excuse to have somebody else information on my credit report. 

# 2 Problem with Equifax is On XX/XX/XXXX I sent Equifax a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. Equifax claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit XXXX  times and I never been to XXXX College of Wisconsin. I also wrote to Equifax and XXXX XXXX because this account also belongs to someone else and XXXX and Equifax is still ignoring me. 

# 3 Problem with Equifax is 2 Collection accounts XXXX  XXXX  XXXX is showing 120 days late. XXXX  XXXX  XXXXis also showing 120 days late on my credit report. I wrote to Equifax and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but Equifax and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with Equifax is that I sent Equifax another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. Equifax did not respond to my letter and none of these collection companies responded to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Collection Technology Incorporated
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 has been violating me and has willfully continued to do so. After multiple consumer reports this item has yet to be removed or corrected. every item that's on my consumer reports suppose to be reinvestigated so how am I still recognizing inaccuracies. 

15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) ANY ACTUAL DAMAGES SUBSTAINED BYT THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, WHICH EVER IS GREATER ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Credit Service Company, INC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received paper to go to court on this matter XX/XX/2019 at XXXX XXXX  in XXXX, Co No one from the Credit Services ever showed up and I was there till XXXX XXXX. 
Then in XXXX I got some papers ordering a judgement from Credit Services. I called them and Credit Services and I made arrangements to pay the Credit Service. We settled on {$2200.00} I told them I wanted a copy of the payment and everything that got paid. I never received anything from them. On XX/XX/XXXX Credit Services took money out of my account and my XXXX XXXX XXXX account. {$390.00}, without me knowing anything. Credit Services keeps calling me and saying I still owe them money. They never sent anything to the Crdit Reporting agency to up my Credit Score, I keep telling the to Send my copy 's of my account and they never have. I am a XXXX  mother of a XXXX XXXX XXXX and I was trying to work with the Credit Services to pay the XXXX bills and it seams like they just keep wanting more money. I have had to take time off work for court hearing and always worrying if the Credit Service is going to take more money out of my account. I closed my XXXX  account because of all this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo  refuses to close my escrow account on my mortgage. I bought a home in DC in   XXXX   XXXX    Originally, I did not want a escrow account but was told by my original lender that taking out the escrow account would be complicated during the middle of the closing process for our home. After we closed on our home, our mortgage was soon transferred to  Wells Fargo.      I asked  Wells Fargo  to close my escrow account for both taxes and insurance. They first told me they could not because  Wells Fargo  has a policy that only escrow accounts at least  1 year old  can be closed out. I asked for a copy of the signed agreement that requires me to wait 1 year before closing the escrow account. They continue to fail to provide me a signed agreement showing me I am legally bound to wait 1 year.     They closed the tax portion of my escrow account after I contacted them a few more times. I asked them to close the insurance portion of my escrow account. They then again cited their  one  year requirement and refused to close the insurance portion of my escrow account. I asked again for a copy of a signed agreement. They again could not provide a copy.

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 2022-05-25
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:
THIS SERVES AS AN ADDENDUM TO REPORT NUMBER XXXX. SUBMITTING SUPPORTING EVIDENCE REGARDING XXXX XXXX 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 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This person scammed me into sending them a payment for a dog I did not receive. I cant believe someone would do this to someone else its the worst thing you can do. They sent me a legit contract and we made an agreement they asked me questions, I even submitted an application. They completely lied about who they are and what they do. They need to be shut down they are running a complete scam illegally on this website please shut them down they are lying about everything. I contacted CitizensBank to request my money back which is when I used to send the money to this fraudulent person. I let them know that this was a scam and then I would like to request my money back and they refuse to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Advanced Professional Group
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been contacted by Profit Services Group in XXXX, Ga who advised I owe medical bills from XX/XX/2010 that has passed the statute of limitations and bills that my ex-wife were responsible for due to divorce. I have requested on several occasions to be provided proof, but only tell me the bill is mine. I asked to see the original documents from the service provider after I was informed all original paperwork was sent to Profit Services Group. Profit Services Group has failed to provide the documents and continue to threaten me with court action. 
I paid ( XXXX ) recent bills but what they are threatening now I have verbally disputed to the employee whom contacted me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NV
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 Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: SECURITY FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
First off the loan agent, looks up my family members through social media and contacted them. Also she stated to me she even Googled my boyfriends name, and searched out his police record ( his name is not on the loan. ) She shows up at my home with a police officer and tells me it 's a felony repo for my listed calatorel but the officer never gets out of the vehicle. She agrees for me to come to the office by the next Monday to make a payment and do a hardship form and she leaves. About 20 minutes later she shows back up at my home ( no police this time ) asking me to write a false statement saying that the original loan manager took half the money and made me take out the loan. she told me what to say and even had her boss on speaker phone. When I said no they both got upset and refused to let me do a hardship form and made threats that they would get me and the original loan manager even with out my statement. I asked y she brought the cops the XXXX time n she said it was for repososetion, the XXXX time I asked her y she said because she felt threatened ( even this she 's never met me seen me or spoke to me before ). The XXXX time I asked y the police had came the XXXX time she said it was because she googled by boyfriend and he had a record. So I 'm still not sure as to the real reason the police where here. I made a complaint to her main office and they forwarded it to her boss and he as well tried to get me to make a statement saying could help me out if I gave them the statement so they could go after the original loan manager ( who no longer works at the company ) they r trying to get wrongful statements to incriminate her. As well as threaten me the into helping them or they will press charges as I am behind on my loan. At this time I am an out of work widowed mother with XXXX kids ( XXXXwith XXXX and can not get caught up on this loan ) I feel they r targeting me due to the issues they have with the previous manager ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Several years ago ( about 2004 ) my sister ( XXXX XXXX of XXXX XXXX XXXX, XXXX, New York ) asked me to assist her with getting an home equity line of credit from Wells Fargo for the amount of {$30000.00}. After saying no for months she convinced me that she was going to lose her home so I reluctantly agreed. The bank pretty much badger me to take something because I could not sign and not benefit. I decided to let them pay only my credit cards and they said that was not enough. Eventually, I decided to accept {$20000.00} which included the payments of my XXXX or XXXX credit cards for a total of {$6000.00} to {$7000.00} and the balance I would use to pay monthly towards the total of {$50000.00} if my sister ran into difficulty paying the bank. I went on vacation and on my return to the airport I got several messages on my cell phone that I should contact the bank regarding the non payment of my mortgage. At the time I was giving my sister {$400.00} per month towards the payment of the {$50000.00}. I called the bank and was told that I had a mortgage. I told them that I do not own a home and they told me that the document I signed was for a mortgage and that I am responsible to pay for my sister 's mortgage and that they wanted to collect. After trying to convince my sister to sell the home and/or get my name off of her property and let us recuperate our credit. She instead, changed her phone number and ceased all communicating with me. I tried to let my mother and siblings intervened on my behalf, but it became problematic for the family, so I took her to court. After three years of court and XXXX courts ruling in my favour in XXXX segments of the trial, via my attorney they ( her attorney, the bank and her ) asked me to stop the case so they could do a modification or re-modification of the mortgage and take my name off of the property documents and I would no longer be responsible and they would write to the credit bureau on my behalf to clear my credit. So, on the advise of my attorney, I signed the paper to allow the court to dismiss the case with prejudice. The property continued to remain on my credit report until I found out recently, while I was trying to qualify for a mortgage to get home of my own, that the modification or re-modification of the mortgage was done with my name still attached and I am still responsible for her mortgage. Now, I am having difficulty even qualifying for a simple personal loan and would like to know how did the bank, her attorney and her manage to have her mortgage modified or re-modified with my name still attached to the property without my consent or my knowledge.

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 2015-06-03
Company: Google Compare Credit Cards Inc.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation