BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 Saturday I applied online at XXXX XXXX  for a business credit card and also a personal credit card. On the business end it was a soft pull and on the personal end it was supposed to be a soft pull also but it ended up being a hard pull. I spoke to their customer service manager this morning at XXXX and his name is XXXX and he claimed theres nothing he can do to remove the hard inquiry. Cause on XXXX XXXX website it clearly states that they need your social for just identification purposes and it does not state that it will be a hard pull on Equifax Credit Bureau. There are not being transparent and playing mind games with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Stephens and Michaels Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX I received a letter stating I owed XXXX for a XXXX XXXX. On XXXX XXXX, XXXX I sent a letter stating that this was not my account as I was am minor when this account appeared to be established. I sent a copy of my ID and Social Security Card. I received no response. My DOB is XXXX XXXX, XXXX. I received no response. 

On XXXX XXXX pursuant to FDCP Act 15 USC 1692g sec 809 ( 8 ) I sent a request for Validation of the debt. As of XXXX XXXX, XXXX I did not receive a response. 

On XXXX XXXX, XXXX. I contacted XXXX XXXX Fraud Department and was informed the account was established XXXX XXXX. At that time I was only XXXX years old and not able to legally enter into any contract as I was a minor. 

Stephan 's & Micheal Associates have violated the FDCP Act in multiple ways. 

This account was placed on all XXXX credit bureas while I was utilizing my 30 days to dispute the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-16
Company: Eastern Asset Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several Wells Fargo bankers lied and coerced me into signing for openning multiple personal, business and brokerage accounts. The wells Fargo bankers stated the reason I was signing their electriconic pin pad was in ored to waive overdraft fees. This was a lie. Several Wells Fargo bankers lied and tricked me into opening several business, personal checking, savings, credit cards, brokerage and merchant services accounts without my knowledge or consent. I have filed several complaints about the fraud that the Wells Fargo bankers committed and nothing has happened. The wells fargo bankers lied to me about what they were doing. The wells Fargo bankers at several different wells fargo branches tricked me into signing for opening multiple accounts when I was told by the same wells fargo bankers that the reason I was signing their electric pin pad was to waive overdraft fees. These wells fargo bakers lied and used my signature to open several business checking, business savings, business merchant card processing as well as several personal checking and savings accounts and brokerage accounts without my knowledge or consent. These same bankers deleted these fraudulent accounts from my online banking view. Because of the bankers deleting this fraudulent accounts from my online banking view, I had no clue they existed. I had no clue they existed until I saw derogatory marks of charged off negative accounts on my credit report. This is the same exact corruption that occurred in the XXXX law suit about fraudulent accounts. Wells Fargo opened several business accounts, several personal accounts and several brokerage accounts without my knowledge and consent. The fraudulent accounts charged off with negative balances. I had no clue about the fraudulent activity until I saw the negative remarks and charged off accounts on my credit report. I have filed several complaints with wells fargo and have asked to submit to mediation with wells fargo. Throughout the mediation program, wells fargo keeps delaying and wasting time while giving me the " run around ''. The tracking number for my mediation account is XXXX. I demand that Wells Fargo fully compensate me in the amount of " {$150000.00} For all of the fraud, deceptive business practices, and defamation to character that was committed against me. Wells fargo keeps giving me the " '' run around ''. I need the CFBP to step in and demand more monetary restitution for me for to the horrendous acts of fraud, deceptive business practices and the defamation of my character by Wells Fargo. Please help me as this has damaged my credit report and has cost me losts of money and even has costs me obtaining a job.

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 2022-04-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We have sent copies of our Land Survey showing we are not in a floor plan but he servicing company continues to place a forced insurance on us with not response to our letters or emails. Our last email was sent on XX/XX/21 and still not response. 
They continue to take money from us with no explanation as to the disputed land survey

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently applied for a credit card from XXXX, they reported that TransUnion was not able to advise my Credit Score with the following feedback : " Missing or Invalid Date : XX/XX/2017, Source : TransUnion Consumer Relations '' As a result, my application has been rejected. 
Through this portal I had received confirmation from TransUnion discrepancies with my information was fixed. Please advise XXXX my credit score.

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 2015-07-31
Company: Trans-Fast Remittance LLC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made some transfer through Transfast from USA to XXXX. The transfer was supposed to be completed in XXXX business days which did not happen. 
At this point, I called transfast to enquire about the transfer. My call landed in XXXX, XXXX. The customer service rep ( named - XXXX XXXX ) started asking my Engine Password - which I declined providing as it has my XXXX XXXX XXXX account added and verified. She kept on emphasizing about the password to login to system. 
I was certain to not provide the password and she started asking me to send a copy of my SSN. At this point I asked to transferred. I spoke with her team leader who then transferred me to New York office where I spoke with XXXX. 
XXXX asked me to send a physical copy of my SSN document and said that it is required to process the transfer. He also stated that he will take only and only SSN to process my transfer else will cancel the transfer. 
No where on the " Transfast '' website it states that SSN is required as a document and it also does not show if this information is going to be secured when I send it over. 
I then asked XXXX to send me in an email that a physical copy of my SSN is " mandatory '' to make the transfer and he then gathered my information and said that he will send the email. 
I have a copy of Transfast - User Agreement, the security page and the How it works and on NONE of the pages its mentioned that I need to share my SSN or any government ID. 

XXXX who sits in XXXX was very rude and did not understand my point that there was NO need to share my password. Also, he was adamant to get a physical copy of my SSN. I told him that it is not safe to share SSN in its physical form which will be store with you without encryption. 

This is a fraud and they are taking the SSN and copy of government ID without secure environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a chapter XXXX dismissed bankruptcy and a state of Maryland tax lien with transunion. The investigation came back as verified. I received a letter from the both courts explaining that they DO NOT report to credit bureaus and therefore must be deleted.

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 2017-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and capital that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask capital one but capital one is not the ones reporting it they are. what they are doing is illegal and I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx. 
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone. 
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in. 
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure. 
Please help me keep my home.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Self Financial 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:
I reached out to Self lender because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. Self lender disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on XXXX and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2022 {$10000.00} Paym ent {$1200.00} Interest rate is like 400 % So I could be paying back {$40000.00} t0 XXXX for borrowing XXXX The company name is titlemax in XXXX South Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
On XXXX/XXXX/2022 I filed a complaint via Consumer Financial Protection Bureau, that consumer reporting agencies reported many of my accounts without my permission. All three credit bureaus have resolved my complaint but have not removed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello : I opened a TD Cash Credit ( Platinum ) Card with TD Bank in approximately XX/XX/2018. The card was advertised as having a {$200.00} cash back bonus if {$500.00} was spent in 90 days of the account opening. I spent over {$500.00} in less than 90 days of the account opening ( by XX/XX/2018 ), but I  never received the {$200.00} bonus despite meeting the offer terms and over 6 months passing since I surpassed the minimum spending requirement. I have contacted TD Bank requesting the {$200.00} bonus be awarded to be given that I met the offer requirements specified ; however, TD Bank has not awarded me the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: First Recovery Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a telephone call from First Recovery regarding a debt that they claiming I have attempted fraud on a financial institution. They are unwilling to provide proof of the debt and have said they will turn it over to their legal team to sue me. I attempted twice to obtain information from them and twice they hung up on me. All they will tell me is that it was a payday loan with a company that I have never heard of.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-18
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated hang up calls, usually with one minute between calls. There 's no person or recording on the other end of the call. I called them back and told them to stop contacting me and they are still calling me and hanging up.

Company response to consumer: Untimely response