BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have teached out to Equifax plenty of times in regard to my birthdate being incorrect and they still continue to report it as such. i have sent my identification card as well as sent XXXX disputes with no moving forward with them. this is affecting me as a consumer and is hindering my consumer profile with this agency. my birthdate is XX/XX/XXXX not in XXXX and i have sent them documentation to verify this and they have responded and failed to correct such information. they are knowing and willing furnishing incorrect information about me. this has hindered me o collect my reports from specific mediums and i have been denied the opportunity to extend my credit due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX has been a mental and emotional distress on me and my credit file. This account was not opened by me, nor have i engaged in any type of arrangement with them as falsely stated in the comments on my report. And more importantly this account was removed from my report in XX/XX/XXXX, but then reinserted in XX/XX/XXXX, And as a general practice no company shall reinsert any accounts without notifying the consumer within 7 days. And this did not happen. I'm demanding that this account ( XXXX XXXX ) be removed and blocked from my credit file in accordance with the laws of The FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
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: Public record information inaccurate

Complaint:
XXXX, Experian, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage took {$13.00} out of my extra principal payment back in XX/XX/2019 they said they issued a check in XX/XX/2019 I have called in 15 times or more and I am always told well we cant confirm it was mailed let me get with that department for verification and we will get back to you sorry for the trouble. I want my {$13.00} that has been owed to me since XXXX and I wish that the CFPB would get more teeth and penalize this company for their sloppy mistakes period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had disputed a closed charge off balance of XXXX from Midland funding collections on all XXXX reporting credit bureaus ... .After the dispute came back on or approximately XX/XX/XXXX it was reported to all three bureaus that I only had a balance of XXXX dollars..I then contacted Midland funding to pay the XXXX dollars.They said no I still owe XXXX dollars and that they never reported the balance of XXXX dollars to no reporting agencies. I have proof from all XXXX credit reporting agencies ... .They then contacted the XXXX bureaus after my dispute came back stating I only owe XXXX dollars and reopened my account to reflect the XXXX after my call to pay the XXXX dollar balance ... ..My score dropped over XXXX points ... ..This is definitely a violation the fair reporting act. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
As notated on my credit report, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with XXXX XXXX  XXXX has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.

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 2021-11-14
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
equifax XXXX and XXXX are fraudulently collecting account via XXXX XXXX and XXXX XXXX  that belongs to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: GA
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:
I did not consent too, authorized or benefit from any of the following inquires that are listed on my consumer file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-21
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX,2019, a loan was reported on my consumer report in the amount of {$21000.00} However due to this I did my due diligence and began an investigation, it has been brought to my attention that I have been swindle. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation ( ALLY BANK ). 

Pursuant to 15 USC 1692c ( c )

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 2020-06-11
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom it XXXX concern ; I have filed a few disputes with XXXX XXXX, formerly known as XXXX XXXX. For the first part of my dispute, I never made an agreement with XXXX XXXX  to begin with. On XX/XX/XXXX XXXX XXXX transferred my account to XXXX XXXXXXXX. On XX/XX/XXXX XXXX had approved my buyer protection claim for the charge in question, this was verified by XXXX Employee XXXX Employee ID # XXXX on XX/XX/XXXX during a phone conversation. XXXX XXXX  said they would not honor XXXX terms and conditions. They do not get to make this decision as the credit agreement I entered guaranteed those protections with the use of XXXX  XXXX. XXXX can not unilaterally decided that I no longer am protected because I did not enter into an agreement with them. They can not negatively report on my credit with this either. 

I also filed a fraud claim with XXXX XXXX, which was later approved by XXXX   XXXX  on XX/XX/XXXX. In this approved fraud claim synchrony bank stated that they may re-bill me for the items within 60 days of the approved claim. That time period began on XX/XX/XXXX and ran until XX/XX/XXXX ( give or take a day ). XXXX made no contact during this time window. Instead, after I filed a complaint they attempted to say that the issue had been resolved and I was credited on XX/XX/XXXX. It is impossible to re-bill someone for something when the claim that would require a re-bill hasnt even been approved yet ( Approved on XX/XX/XXXX ). The attempt to hide this and not be forthcoming in their report on the account is fraudulent and I can not be held liable for their unlawful behavior. I have attached all documents to this to show the dates and times. They also state in the approved fraud claim that they would send a letter of explanation with the re-bill, as you will see there is no letter from them with the re-bill ( this was also a 0 % interest purchase for 6 months, that would have had to be specified in the re-bill. ) The only letter stating there was a re-bill was in response to the CFPB complaint on XX/XX/XXXX, well outside the 60 day window. 
Respectfully, XXXX XXXX XXXX XXXX Retired XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been fighting with Fortiva credit card company. I lost my job when covid hit back almost XXXX years ago. The fees and interest that they continued to charge when I reported our financial hardship to them. The card balance is double of what it was when I lost my income. We went from XXXX incomes to XXXX when the covid pandemic started. 
I refuse to pay all their late fees, interest and other fees. They can take the balance back to where it was when the last purchase was. 
They refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.

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 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Theres a levy on my account and the bank refused to remove it. The IRS contact my bank and told them to remove the levy. I cant use my account its in nagative {$1400.00}. Their playing games and giving me the run around. Please resolve this issue. My bank is Bank Of America and XXXX XXXX. I have been a member for several years.

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 2020-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased an item online on XXXX and I sent this person {$150.00} dollars on XX/XX/XXXX. They said they were going to send the item to me and never did. He ended up being a scam. I contacted them and they ended up blocking me and ended up changing their name on XXXX. The number they texted me from and I sent the money to was XXXX XXXX XXXX XXXX. Their XXXX was XXXX XXXX but they changed it toXXXX. I contacted chase as well and XXXX & said they couldnt do anything for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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: Old information reappears or never goes away

Complaint:
Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent over a letter to transunion requesting that they investigate the unverified accounts on my credit report. Their first correspondence had requested that I send over power of attorney and they wrongly assumed that I was being represented by a credit repair service. I have reminded them that they are in violation of the FCRA section 616 & 617 and they continue to violate the law. 
they are also in violation of 15 USC 1692 ( d ) ( 1 ) insofar as, each account listed stands for a XXXX violation to be paid to the consumer whose credit reputation is being violated. 
the first letter with the tracking XXXX XXXX XXXX XXXX XXXX was on XX/XX/22. this was the first letter that was received by transunion and nothing happened the amounts were investigated. Then they were put back onto my consumer report around a month later.

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