BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: VA
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 account number 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX  is a victim of mortgage fraud by and through the   XXXX   XXXX   XXXX    a nd  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against,  XXXX , the state of Georgia, and    XXXX    County,  by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to  XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for  profit scheme that plagued  America i n recent past.     A criminal report of the alleged crimes are in the process of being investigated by  XXXX  Police Department Case #  XXXX . A Fraud Report has been reported to The  Georgia  Department  of Banking and Finance an d also with the  District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint.     In conclusion, the alleged Trustee,   XXXX   XXXX   XXXX   XXXX   XXXX  , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF   XXXX  IN. , ALTERNATIVE LOAN TRUST  XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES  XXXX   XXXX   XXXX  -  XXXX ,   XXXX   XXXX    XXXX  NY  XXXX  is also fictitiously created. Bayview in its letter dated     XX/XX/XXXX    , provided a contact # for the alleged Trustee as (  XXXX  ). This number is actually for the promotional department of the  XXXX   XXXX  not the alleged Trustee . (  Case law is attached to show proof that ) please see attachments identified as (   XXXX  -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if  XXXX   XXXX   XXXX   XXXX  nor  XXXX  dba  XXXX   XXXX   XXXX   XXXX  nev er had  any interest to transfer in the said property because it was NEVER a corporation in  NEW YORK as   indicated o n the Security Note  and Deed. Because,   XXXX   XXXX   XXXX   XXXX   has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in   XX/XX/XXXX .  Therefore,  XXXX   XXXX   XXXX   XXXX ,  XXXX  nor   XXXX   XXXX   XXXX  , can not prove any legitimately conceivable interest that could be assign to any said such  Trustee    XXXX   XXXX   XXXX   XXXX   XXXX  , as decided as a matter of  XXXX   XXXX  ( See attachment titled District Courts of Appeals .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX account was opened in XXXX and payed as agreed and closed. Equifax is now reporting 2 late payments in XXXX and 2 late payments in XXXX. There has been no activity on this account since XXXX and was closed in XXXX. These late payments are false and should immediately be removed. Equifax noticed the discrepancy and assured me these late payments would be deleted. I called them back to check the status and they told me it was never removed. These false late payments are affecting me negatively and Equifax is reporting this misinformation still.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did an refinance last spring with XXXX  XXXX and with the refinance I received a check for XXXX $ to pay for the furnace and heat pump .I took this to Wells Fargo.A teller and was told my card was paid in full. I have a receipt for the XXXX $ .Then I started to receive billings for more money on this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: VA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3900.00} XXXX XXXXXXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
experian, Esperian is not allowing me to access my credit history in written form and on the internet. The internet sit does not function correctly and it is creating a catch twenty two situation of a endless loop around and around the system which will not operate correctly. 
I want my credit history sent to me by snail mail and on the internet on demand ; which I have a legal right to access by law.!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} Equifax XXXX XXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXExperian/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} TransUnion : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}

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 2017-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I would like to submit a complaint against Citizens Bank. I recently was approved for education refinance loan for XXXX from them to get a new loan with a better interest rate. The funds were disbursed and now I am having two issues with my loan servicer. The biggest problem is my account login page now shows two loan balances, one for the previous loan and one for the new loan. and now they are collecting interest on both loans because the original loan balance has not been shown as being paid. The other issue I am having is that my original loan pay off amount at the time of disbursement was {$30000.00} which means they added {$390.00} to my balance which is not asked for. They have loaned me an extra {$390.00} and that amount has not been either applied to my loan balance or refunded to me. I reached out to them and they said it takes extra time to process but this is taking too long as it has been nearly a week since this has shown and since they are the original loan holder they should be more efficient to correcting and resolving these issues, because everytime they wait I am being accrued extraneous interest charges from a loan that should have been paid off and off the books. So far the extraenous interest charge is almost {$16.00} and growing. I would like this resolved immediately, I would like the extraneous interest I am being charged refunded to me or applied back to my loan and I would like that extraneous balance of {$390.00} loaned to me either refunded to me or applied to my new balance. If this is not resolved shortly I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX   partial account number XXXX. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 )  day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On    XXXX   XXXX   XXXX   this company r eceived a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I purchased a Reloadit Pack to add to my debit card and was not able to get the money transfer to my card because of the many difficulties trying to load through the website as instructed by them. They kept giving me the run around and basically many others are having the same problem according to the many reviews I 've read. 
1 : I could not get through the computer system 2 : they kept giving me the run around for two days 3 : they said it could take up to thirty days for a refund I believe I have been scammed like the many other bad reviews and do n't think I will receive my refund. Everyone should read the reviews before purchase because many others and I mean hundreds have had the same complaints with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On    XXXX   XXXX   XXXX      this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: ZARVAD III S.A.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX/XXXX/2016 my human resources manager came to me with concern over a phone call that she received from a " XXXX XXXX '' asking her what our company 's procedure regarding them coming to remove me from the company. I looked at the phone number she had written down and recognized it to be that of a collection agency that I have dealt with in the past regarding a online payday loan with " my next day cash '' I called and spoke with a male who would not let me speak with XXXX XXXX and who went on to describe the debt and informed me that it was check fraud, several attempts to serve me with a warrant had failed, so now they were coming to my job to " remove me '' The debt with " My next day cash '' is 2 years old. The reason that I received a loan from my next day cash is because I had run into some financial difficulties and I needed the help. I was making my payments until I again ran into some financial difficulties with my husband and the IRS. The phone call upset me and the human resources manager as I have told them to stop constantly calling my place of employment. They have my cell number and house number and they also have my email address to contact me. I concur that their collection practices are a violation of the debt collection laws with their blatant threats to incarcerate me and constantly interrupting my place of business, when they were told to stop. I did not get the gentlemen 's name who I spoke with but he informed me that he was with XXXX XXXX and my case number is XXXX. They were calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
The following credit inquiries currently listed on my XXXX XXXX credit report is unauthorized, fraudulent, not my credit inquiries : American Express, Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX and XXXX Date of Inquiry : XX/XX/XXXX. I did not apply for any credit card or authorize American Express, XXXX XXXX XXXX or XXXX XXXX to pull my XXXX XXXX credit report on those inquiry dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: FL
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've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
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:
Got notice of added address from XXXX tried to dispute on line and message said to call I called on XX/XX/XXXX am and the woman said I had to contact portfolio recovery for them to remove it which if call them starts the clock on the account again so they are trapping me into calling them to remove the adress.The address belongs to a RV resort in port XXXX Florida. So this is a trap by portfolio recovery to call them for a debt I have been disputing since XXXX when I had XXXX XXXX XXXX. The continue to call few times a week even with different numbers how I know. They call with portfolio recovery number never leave a message and call back right away with a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Original creditor : XXXX ADVANTAGE : Balance {$660.00} XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX BANK XXXX XXXX. Original balance : {$730.00} XXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : SYNCHRONY BANK Balance : {$860.00} XX/XX/XXXX CREDIT COLLECTION SERV Original creditor : XXXX XXXX IN. XXXX XXXX : Original : XXXX XX/XX/XXXX 2020

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 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
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've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

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