BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, 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 2022-04-13
Company: Designed Receivable Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. 

I call the collection company : Designed Receivable Solutions. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX  in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX  with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: Armor Systems Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A debt I owed to a health club was included in my bankruptcy. The debt was listed as being " in collections '' on my credit report, so I filed a dispute and the account was removed from my report. A few days ago I received a bill from a different collection agency still attempting to collect the debt. Again, the debt was included in my bankruptcy and I do not owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TJC Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinancing company spoke to my husband in XXXX. My credit was pulled without his or MY consent. It is my name, alone, that is on the loan. I never spoke to anyone at all. We have called and spoke to the supervisor multiple times to have this inquiry removed. Inquiry remains on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: POPULAR BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. The bank started to deny all forms of withdrawals from this account since XX/XX/XXXX. I called their customer service line, only to be told that they put in place a retroactive 60 day account hold on all new accounts. There was no email notification of this new policy, just a popup if you happened to try and log in to your account. Customer service told me I needed to email them a copy of statement or voided check to prove ownership of the recipient account for the transfer. I email them the statement on XX/XX/XXXX, but was told it would take 3 business days to release the hold. As of today ( XX/XX/XXXX ), I am still unable to make any withdrawal in any form. I called their customer service again, and they could not provide a valid reason.

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 2022-08-05
Company: Phoenix Financial Services LLC
State: NC
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 writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account PHOENIX FINANCIAL XXXX  XXXX balance {$930.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made application with Wells Fargo Home Mortgage for a refinance mortgage transaction in XXXX of XXXX. I locked my rate at the time of application and submitted all requested documents. My current mortgage is with Wells Fargo Home Mortgage and was refinancing to reduce the interest rate on the loan. Months have past and I have been required to resubmit documentation a total of 3 times as they claim the info continues to expire as a result of not being dealt with in a timely fashion by Well Fargo. I registered a complain with them in Mid XXXX upon receipt of an additional request once again for the same documents just in a updated status. I explained that I have provided the same requested info 4 times now, bank statements, pay stubs, and additional documents over and over. They then issued and overnighted a letter to my property address which is my second home and not my primary residence of which they are aware of stating that they were in receipt of my complaint and will begin working on it only to receive a letter of denial of my loan. I am self employed and have owned my company since XXXX. Nothing has changed in regards to my income or company status and I feel that this loan was denied in direct retaliation for me registering a complaint about the 6 month processing time for a simple refinance. They have never appeared to know what was going on with the transaction, my current loan with them is seasoned for 3 plus years with never a late payment made and the treatment that I have received from Wells Fargo Home Mortgage is truly unbelievable and unfair business practices at its finest.

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 2015-11-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid off the balance of my XXXX XXXX card issued by the Bank of America on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Bank of America indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Bank of America indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Bank of America on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Bank of America indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Bank of America and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Bank of America would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.

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 2016-08-01
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. 

CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: OK
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 have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them. 

Under the FCRA i should be able to dispute these items with them. 

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I make the my first complain about Gemini XX/XX/2021, about the scam problem complain XXXX First they frozen account. when you try to move or transfer the money out the account They answer from Gemini is possible another person try to use me account. My family have the same answer from Gemini!!! I ask to my Bank chargeback two week ago for the money .The Gemini closed my account 3 weeks ago, and everything was perfect! 

But today morning my big surprise, Gemini stolen my money from my Bank account again, Stolen is small word for that! CFPB authorize companys like that work in US That is illegal and shame, I need my money back urgent and please take action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan is in default but not by my fault. Navient is horrible. They were taking my loans out whenever they felt like it, up to 4 days before the date I had chosen with the original loan holder. It was causing all kinds of hardships like overdrafting my bank account. I contacted my bank and told them Navient was not abiding by the original agreement I had with my school loan lender. I never made any sort of agreement with Navient. It turns out that Navient had no right to be taking anything out of my checking so my bank stopped allowing the payments. I 've tried to contact Navient but they never email back. I do n't have a phone. They send mail to the incorrect address. An address that I have never lived at or provided to them or anyone. A family member owns the house and just send everything back return to sender. I 'm currently in bankruptcy due to my school loans that I have paid on time for the last 13 years, never missing a payment until now. The payments I was making is well above 15 % of my income. My bankruptcy lawyer just tells me it will cost me more to dispute my loans than to just pay them. I do n't have any money at all. My lawyer says it will cost me thousands extra to go to a separate court to dispute the loans and it 's too hard to prove. My lawyer is just plain lazy. What can I do to get them included in my bankruptcy? 
Is there anything I can to since my lawyer wo n't do anything or even advise me? 
Also, Navient has no right to be sending mail to an address that I do n't live at, never have and the person is angry for mail being sent there. I have never provided Navient or anyone else of that address. 
Now I am received phone calls to numbers that were never provided to Navient or to anyone else. I received 4 calls in 5 minutes. They broke a privacy law by calling my cell. I never gave this number to anyone at anytime. XXXX also agreed that a privacy law was broken and would like to know how they obtained the cell numbers as it was not public record. Both numbers are on the donotcall registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.

Company response to consumer: Closed with explanation