BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Lendmark Financial Services
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:
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer can not furnish an account without my written instructions https : //portal.consumerfinance.gov/consumer/s/complaint-description? XXXX # XXXX 15 USC 1666B A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MI
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 requested on XXXX XXXX to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

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 2022-09-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.

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 2022-09-28
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls as early as XXXX. I have told them the person they are calling for is not at my number. The person they are calling for lives in another state. I have received 5 calls since XX/XX/22, I dont know how many before that, thats as far back as my call history shows. I blocked their number and they call from a different number. I will not give them information on the person they are calling for and Ive told them so. 

Call history XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX Caller ID shows Midland Credit An internet search shows they are a debt collection service in XXXX XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent letters explaining it was inaccurate information on my credit reporting In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX 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 XXXX found that XXXX XXXX  Account # XXXX was inaccurate and removed the accout. Transunion and XXXX is still reporting the account which is in violation of my rights.

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 2022-12-11
Company: Navient Solutions, LLC.
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ARVEST BANK GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance throughout XXXX because I lost my second job. Then on XX/XX/XXXX I became XXXX. 
FHA assisted paying my arrears. When I called XX/XX/XXXX to pay my monthly payment they said that the monies left over from FHA covered it and I was all set. 
Now, I am receiving a mortgage statement of {$4700.00} for XX/XX/XXXX. It states that I am behind for XXXX, XXXX and XX/XX/XXXX. 
I called them every month ( sometimes many times ) and they never mentioned this to me. I think I have been scammed. Arvest Central Mortgage misrepresentation at its best. 
Please advise. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage payments every month. I am with Freedom Mortgage. My XX/XX/XXXX Mortgage statement states I have {$7400.00} in my escrow balance. I have not had a negative escrow balances in my monthly statements. XX/XX/XXXX statement says im Negative {$12000.00} and will be charged extra {$2000.00} a month for the rest of the year. That doesnt seem legal. Please offer some guidance as to what my next steps should be.

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 2022-07-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/2022, i sold my home, the closing agent wired the funds to payoff my mortgage of {$140000.00} according to the payoff that was given. the payoff was good through XX/XX/2022. On XX/XX/XXXX, after going on the portal. i notice, the loan was not paid off. I immediately called fay servicing, everyday for XXXX  days customer service stated the wire was sent back. I finally got a hold of a XXXX on XX/XX/XXXX, XXXX i explained to the XXXX the circumstances. i emailed the documentation of the final closing settlement statement as well as the wire information, stating the wire was never sent back to the closing agent. the XXXX never returned my call or emailed. i called again on XX/XX/XXXX, XX/XX/XXXX ... the customer rep stated the Fay servicing has now paid my past due property taxes, which were in turn paid at closing. on XX/XX/XXXX I spoke with another XXXX, which states he needs to find out what happened.but at the same time... the wire of {$140000.00} has now been sent back to the closing agent. I do not know what to door where to turn. please help me get this resolved... i have also filed a complaint with the XXXX ... .thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Steel River Systems, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collector Steel River Systems , LLC threatening me constantly. I sent them a cease and desist, which they confirm they have received but have completely disregard it and continue calling and emailing me. They are only to send physical mail, and that's once this alleged account debt has been zeroed out. It needs to stop. I do not now, nor have I ever owed them any money. The have violated numerous rights. I am filing this complaint before escalating this to small claim court where I will in fact sue them for defamation of character! I have attached the last email where they admit, they received my cease and desist. I also asked for the following information which they did not provide. 

Please provide the following information 1. Name and address 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Dates ( this alleged debt became payable ) 8. Date of original charges or delinquency 9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased?

11. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grants Accelerated Steel River System the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. 
- All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Steel River System in case legal action becomes necessary : Authorized Signatures of Creditor : _________________Date : ___

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY NAME.

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 2022-08-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: WELLS FARGO & COMPANY
State: FL
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:
I applied for the Wells Fargo Autograph card on Tuesday, XX/XX/2022. The application approval clearly says I should receive the card in 5-7 days. I had applied for this card because I was going on an XXXX trip and needed a card with no foreign transaction fee. I applied in time by their own promises, I would receive well in advance. Had they said how long it would actually take, I would have applied for another 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 explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a claim against my bank for a XXXX transaction for $ XXXX and a XXXX XXXX transaction for $ XXXX due to being swindled. They did give me a provisional credit for $ XXXX, but denied the XXXX transaction claim. Instead of giving my a full credit, Wells Fargo decided to close all my accounts, even after giving me a new checking account.

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 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a product from XXXX in the amount of XXXX in store online. The package was delivered while me and my family was on vacation in Tennessee for week. When we returned home from vacation my package was not there, I contacted XXXX XXXX for them to refund or replace the item they denied to refund and or replace the item. I then contacted Capital One to dispute the charge on my bank account and explained this situation. They opened the dispute and through my bank they denied the dispute in favor of the merchant and I am now out the XXXX and the product. So I am reaching out to the CFPD for resolution and or help in this matter. As a consumer you would expect the bank to help their customers regarding issues with merchants. To no avail I have lost my money and the product with no help. I just want my money back and to be refunded the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation