BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: IL
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:
Previously, I filed Complaint with CFPB COMPLAINT ID : XXXX. 
But I am not satisfied with an answer from EQUIFAX because it doesn't have proper answer rather just general information. If they don't have specific information then they should have asked rather than closed the complaint. They are asking to call or email on such and such contact but they never provide solution. You can hear recording of my previous call, how much hard time I faced during call to explain the concern person and he ended up by hung up my call. 

My problem is there is comment on my Equifax report stating " REMARK HAS BEEN ADDED TO YOUR XXXX  XXXX XXXX CREDIT CARD '', now I don't know where this remark came from even if my amounts are paid off. When I asked about this to XXXX  XXXX XXXX, they said just contact Credit Reporting Bureau, they have nothing to do on their side. Its credit reporting company who adding such remarks. So, I just want to know who will tell me the facts rather than playing ball passing game. 


Here is the Response from EQUIFAX for my Past Complaint : " '' '' '' Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : Please be advised that there are hundreds of credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Unfortunately, we are unable to proceed with an investigation of the concerns raised in Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at  www.myEquifax.com. At myEquifax, you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and other products. You may also contact us at XXXX to speak to a Customer Service Representative. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Primary Residential Mortgage, Inc. ( XXXX XXXX, Division President, XXXX XXXX ) lost my buyer a house and earnest money. From XXXX XXXX to XXXX XXXX the lender was not able to get underwriting approval until the seller finally accepted another offer. For months, it went back and forth to underwriting with " XXXX more piece of information needed ''. We executed XXXX and my buyer still lost the house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: United Funding Logistics, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Called United funding logistics On XX/XX/XXXX XXXX Spoke with CEO XXXX XXXX I had explained my situation and other companies that I have tried and nothing was done, XXXX XXXX promised me his company will get it done in a timely manner. 
XXXX XXXX assured me I would not be treated tye same and would get my problems resolved and jot to pay off any debit not to do any negotiations send everything through there office in which I have. 

No lawsuit has been filed against XXXX XXXX. 
Nothing has been removed other than what ai have disputed, I have calledthe bureaus and asked how many hard copy disputes they have received in my name 1 from all 3 bureaus the rest have been done on line by me. 
I have called left multiple messages 1 returned call from XXXX stating she will personally hand this to XXXX XXXX. 
No call back nothing done and the promise I was given was recorded, I want what I was told would be done in a timely manner.its been 8 months and nothing has been completed by this Company. 

I would have already been done with a bank rupt proceeding and was Instructed do not do that we will get this fixed. 

I could have paid some of these off even though these belong to exwife and no validation has ever been done of zny debit in my name other than 100 % satisfied accounts. 
Always a excuse as to why nothing g is done but is on XXXX XXXX advertising his business and they are signing up by the thousands while the ones before get left behind. 

Let 's resolve by working together and get it done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Rocket Mortgage, LLC
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:
On XX/XX/XXXX, a hard credit inquiry was done by XXXX XXXX. I called on XX/XX/XXXX, where a representative of Rocket Mortgage confirmed that they had pulled a new credit report. On Tuesday, XX/XX/XXXX I had informed the mortgage banker that I was not moving forward with a mortgage application at this time due to a personal issue. On that same day, I received a second call and informed them of the same. On Saturday XX/XX/XXXX, I received another call and I again informed them that I was putting this off and that I had already spoken to a representative regarding the situation. When I called Rocket Mortgage to inquire about the unauthorized inquiries, I was not able to receive any answer to the need for a credit pull given no active application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Southwest Credit Systems, L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with Southwest Credit Management ( for XXXX ) and XXXX  ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Beginning XX/XX/XXXX I have contacted Capital Ones Fraud team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMCOL Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMCOL SYSTEMS, INC ( Original Creditor : AMCOL SYSTEMS , INC ) has failed to send me a response with my requested information for alleged collection account XXXX the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore AMCOL SYSTEMS INC is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 my app shows a direct deposit fund transfer of {$3000.00} dollars that i never filed. The money was sent to Bank of America all i found out was an account ending in XXXX. Bank of America sent me letter saying resolved. The letter was just my monthly satement nothing telling me about were my money is

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 2022-05-16
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 the full invoice amount of {$170.00} was sent to XXXX. This payment was the exact invoice amount per the fedex invoice received. On XX/XX/2022 a call was made to Transworld Systems INC stating that the debt had been paid. 

On XX/XX/2022 XXXX XXXX made a call to Transworld Systems Inc and was informed this was a debt fee and not the debt itself. This debt was disputed on the phone but no physical record of the result was sent to XXXX XXXX. 

On XX/XX/2022 a new letter from Transworld Systems inc was sent to XXXX XXXX ( XXXX # XXXX ) stating that {$25.00} was due. 


No payment was ever made through Transworld Systems and this fee is excess to the original debt that was already settled. 

In addition, XXXX was called on XX/XX/2022 and they stated the account was fully paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ATTEMPTED NUMEROUS OF TIME TO HAVE HARD INQUIRES REMOVED THAT I DID NOT AUTHORIZE THAT ARE ON MY TRANSUNION REPORT. TRANSUNION STAFF CONTINUE TO IGNORE MY REQUEST AND HANG UP WHEN I ASK TO SPEAK WITH A SUPERVISOR. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND I AM AWARE THAT REPORTING FALSE INFORMATION ON A CONSUMERS CREDIT REPORT IS GROUND FOR REMEDY.

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 2016-09-01
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.

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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name with Bank of America on XX/XX/2022. I did not sign up for this account and the emails began to arrive in my XXXX mailbox around 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 2016-12-28
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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