BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive contacted Transunion today XX/XX/2022. When speaking with the representative he advised to reach out to the CFPB to let them know that in regards to the FTC identity report that I uploaded, they were able to receive the FTC identity theft report but its not valid. I asked the representative how is the report not valid when this is the same FTC identity report that was used from the previous complaint I filed on XX/XX/2022 and they were able to remove a few inquiries prior as well as XXXX XXXX XXXX account that was on my report. Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX account was settled and should be a XXXX balance however Equifax is still reporting a balance of {$2100.00} which is not correct.. I have submitted demands to Equifax with proof and my credit profile has yet to be updated and there has been no response from Equifax at all. Update the balance immediately or delete this account off my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: KEYCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was at work on XX/XX/2021. While I was at work I received a notification on my phone stating that two charges were made at XXXX XXXX XXXX. XXXX XXXX, CO XXXX. One transaction for {$95.00} and another transaction for {$89.00} both of these transactions were made at XXXX on XX/XX/2021. I already placed a police report with XXXX XXXX police department. No i have never shared my account information with anyone or have never lend my card to anyone. I had my debit card on me the day of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I applied for an XXXX XXXX XXXX  card through Chase at the end of XX/XX/2022. The offer I accepted for was for 0 % 12 months on purchases. I have been making my purchases and started carrying a balance as i thought there was 0 %. I do everything paperless and I happened to look at my last bill as I have been doing some remodeling to my house and noticed a finance charge. I called Chase and they said I do not have 12 months at 0 %. I asked to speak to a manager who was XXXX  and said they have no reference of that and I would be paying the interest charges. I asked to file a complaint with the executive office, he said he logged the complaint and there was nothing else to do. 
I have paid XXXX, XXXX and XXXX thus far in interest that I should not be paying for. 
I have not missed any payments and make more than the minimum payments so there is no way that I voided the XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Equitable Acceptance Corp
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Third Party, Equitable Acceptance, committing fraud through my student loan asking that I pay {$1400.00} to consolidate and forgive a loan that can be consolidated and forgiven for free. I am currently trying to cancel this " transaction '' as I have been informed by the department of education that it is in-fact fraud. The company is currently fighting with me telling me that the Department of Education, who is supposed to " approve '' me for a program, is also the ones telling me not to use this company so they can get more money from me when it Is really Equitable Acceptance trying to steal money from me. This is the letter I am writing them to cancel this whole transaction : To whom it may concern, Today I was informed by the Loan Consolidation Center of the U.S. Department of Education that I can consolidate my loans for free. I was also informed that I can apply for loan forgiveness for free. Based upon this information, I am notifying you that I am cancelling the " revolving credit plan '' for {$1400.00}, which was represented falsely as required for loan consolidation and forgiveness application. I have received no services from your company to date nor have I made any payments. 
I have also spoken with the Student Loan Ombudsperson ( Ref. # XXXX ) and was directed to file a complaint with the Consumer Financial Protection Bureau. I contacted the CFPB and filed complaint #. In addition, I was directed to contact the Illinois Attorney General 's office and I have filed a complaint with them as well ( # ). 
I have placed a " stop payment '' on my XX/XX/2017 payment. Any attempt to collect funds from me will be documented in the fraud complaints with the CFPB and Illinois Attorney General 's office. In addition, any adverse credit documentation will also become part of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two  homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

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 2023-02-07
Company: ECMC GROUP, INC.
State: VA
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:
ECMC is reporting 4 student loans as 120 days late when the accounts have been in default status for years making it look like they are new accounts. They also are unable to provide original promissory notes because they told me they acquired the accounts from XXXX. They also are guilty of re-aging the accounts several times within a 30 day timeframe on purpose, changing the status of the accounts from charged off, closed, and 120 days late multiple times which has resulted in my credit scores falling XXXX points. This is FRAUD.

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 2015-05-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Wage Earner Plan filed XXXX - has passed the 7 years limitations on my credit report for a Chapter XXXX bankruptcy. This item should have been deleted by Equifax and was n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a duplicate item on my credit report with equifax. I have told them both on the phone and through the dispute process that it is a duplicate. Its obvious as well because both accounts have the same balance and the same account number. For some odd reason there is a different reporting date. I talked to the reporting company and they said that they agree it is a duplicate. No matter how many times I dispute this item equifax refuses to do an actual investigation. Its unreal that they could get away with incompetence on this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Judgement in XXXX, TX I 'm not the correct person and I received a letter from the court stating they have never nor do they report to credit and they claim equifax and experian must be getting this information from a public data site. XXXX has removed it based on the letter equifax has not. Again, these have been NEVER reporting to any of the credit bureaus. We have asked or proof and validation of the Judgement from Equifax and XXXX and both have failed to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened checking account as a result of an invite by Wells Fargo bank with {$400.00} bonus code. The requirement to get this bonus is to set up direct deposit monthly and to accumulate {$3000.00} within 150 days.XX/XX/19, I walked into Wells Fargo Bank in XXXX XXXX XXXX, XXXX, CA XXXX and was met by Premier Banker Ms XXXX XXXX. We both had the understanding of the requirement for the {$400.00} bonus. She reminded me to make sure there would be {$3000.00} in my account by direct deposit within 150 days. I assured her that i have set up social security check direct deposit as of XX/XX/2019, I waited 8 months and I still do not see {$400.00} bonus deposited in my account. I talked to same bank manager and he filed complaint for me.

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 monetary relief
Consumer complaint received 2016-01-03
Company: Paypal Holdings, Inc
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I signed up for Fan Dual awhile back and choose to pay with pay pal not pay pal credit, which i never knew existed, and the next thing u know it was being paid through Pay Pal Credit ... i did not not choose this type of pay knowing that u have to hit my credit. I have a paypal acct on ebay and it is not a credit acct.Then u can not pay this credit acct thru online pay pal it has to be a bank acct.. this is XXXX .. They said they would let me slide this one time and pay over the phone ... Does this not send up a flag!!! U let me know bacause i will be discontinuing there services!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had a bill with XXXX XXXX in which was paid. I submitted my paperwork showing this judgement was paid and for some reason XXXX or Equifax did not remove this off my credit report and wont allow me to dispute it. I just recently went through the cfpb to help me with XXXX and It was just recently removed off my experian but now I see it popped up on my XXXX and Equifax. Why??? why are these companies giving me such a hard time taking it off my credit report.Once again I contacted XXXX district court in Michigan in which they stated the same thing I had to reach out to XXXX XXXX and Equifax as I did experian to have it removed because XXXX district never put it on my credit report. I reached out to both companies and was told to call the XXXX number for each company why?? they wont give me a reason. Like I explained before in the previous dispute I 'm just trying to buy a home and this public record is really a hurting factor on my credit report. The judgement was satisfied and the courts did n't put it on my credit report so why do I have to suffer when all I 'm trying to do is maintain a good credit score and purchase a home for my family to live in. XXXX and Equifax need to remove this off my report its unfair & XXXX it really is. Once again I also called XXXX XXXX in which the representative suggested I contact cfpb. All I want is for this public record to come off my account its unfair that this is holding me back from obtaining a financial loan. The courts acknowledged they did n't put this on my credit report so why is it so hard to dispute it. Please I need this off my transunion and my equifax report why would it show up after it was taken off my XXXX? Can you please help me with this situation attached I will submit the information for the satisfied judgment. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was an authorized user on an account. I went ahead and took myself off and disputed this with all XXXX credit reporting agencies. 

XXXX, and XXXX removed this account properly. However equifax keeps saying that this is still my account and it is affecting my credit report and score. This account is my wifes account and it has been updated with payments. However I have disputed this XXXX times with equifax and everytime this comes back as verified however the information has only bee updated since XXXX which is the same time I removed myself as an authorized user. To me this means equifax is not verifying this account properly because this is no longer mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Mutual Management Services LLC
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: Account information incorrect

Complaint:
Last XX/XX/2022, my credit score dropped XXXX points. I checked and a company called Mutual Management Services reported an account on my credit and said that I owed {$2200.00} to an apartment complex. I advised them that I did not owe that to this company. I provided proper notice and moved out because of maintenance problems. However, in an effort to remove it from my credit, I paid the company {$960.00}. They never gave me credit for paying the {$960.00}. Each time I dispute the account, the collection company reports to the credit bureau that the account is accurate. I am requesting a copy of my signed lease because I do not believe that I owed any one the money that this collection company claims. I believe that the maximum I would have had to pay would have been an early termination fee and I have paid that already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called about getting several tax bills. They should be in my monthly payment. There was a mix up with the parcel number and I have called several times about getting it resolved. Now I am delinquent on the back taxes that should have been paid already. 
I have recently tried to apply for a loan and I got denied due to the fact that my taxes have not been takin care of. 
I was told that it has been under investigation. But it had been over a year of investigating. 
I need this resolved immediately please and I would like a call about this being resolved. 
Thank you 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 2016-01-05
Company: Coastal Financial Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a voicemail saying that I was trying to be contacted and if the message was not returned, paperwork would be filed with the local county authorities. I returned the call within 30 min and was informed that I was being prosecuted for writing a bad check for a loan. Later in the conversation I was told the company I was speaking with was Coastal Collections. When I asked details, I was told that the date was in 2013, the amount {$450.00}, and it was for XXXX XXXX. When I asked for contact information for XXXX XXXX, who I have never heard of, I was told I could not have that information. I have never taken a loan for {$450.00}, written a bad check, or been notified of this being a collection against me. When I asked when I could expect documentation from XXXX, Coastal Collections said it was up to XXXX, but I could expect a subpeona soon and could fight this in court.

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 2016-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received an e-mail from XXXX, and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. 
The next month I received another e-mail, which I opened, called and got into an argument with the representative and paid additional monies over the phone ( service charge ) and asked that the account be closed. I did n't use the account that much ( my balance was never over a few hundred dollars ), I would go months without using it, so I was n't used to paying it on a regular basis. 
Recently a banker told me XXXX jumped me straight to 90 days late and I should dispute it. My credit score is flawless except for this record. Thanks for your help with this matter.

Company response to consumer: Closed with explanation