BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person SHALL NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax continues to use my bankruptcy information on my credit report.so it effects my credit score. My credit history has been without a blemish for more than seven years since dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: NC
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 two collections on my account from XXXX XXXX and XXXX XXXX and they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSWORLD SYSTEMS INC
State: WA
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:
I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NY
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 been a victim of identity theft. Equifax removed all the fraudulent accounts that were reporting, but left the inquiries from the fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: MoneyLion Inc.
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:
On XX/XX/19, XXXX  ( a subsidiary of MoneyLion ) transferred {$200.00} from my account to them without permission to another account ending in XXXX. I do not have a Money Lion account nor do I know anyone who does. Before the fraudulent transaction I had never heard of the company. I have reached out to the company multiple times with no resolution to the problem. I keep getting told someone will get back to me and they never do. I have asked to escalate the situation which also does not help. The company does not respond nor offer any sort of assistance in closing the fraud account or getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My card was involved in an accident and the car was totaled. As a result fo the insurance claim - a large percentage of the loan amount was paid off by insurance. At that time I contacted the creditor and explained the situation. There was a balance leftover that was due from me and the creditor said that I would be able to seperate that from the loan and have a different payment arrangement on that portion of the balance. Time went by and I did not recevie any information so I called the creditor and sent an email. More time went by so I called the creditor again and this time the creditor said that I had to make full car payments and that the account was past due because I did not pay regular car payments on the small amount due and remaining. The creditor marked me late to the credit bureau. Even though I was talking with them about a different payment option and set up for the balance left over. I asked them to consider making an exception as a one-time courtesy to remove the XXXX x XXXX late payment and they refused. They said I would need to dispute it with the credit bureau. I had XXXX loans with the creditor and never made a single late payment. They refused a one-time courtesy request and the representative on the phone was quite rude about it. The reason it was technically late was because they did not respond to my inquires on what I needed to do in an insurance pay off situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have a loan with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and CAPITAL ONE BANK USA N with no successful resolution.XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: NC
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 disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( Experian, XXXX, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i have reached out about my information on my report with identity theft and fraudulent accounts please help they are not responding

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: DISCOVER BANK
State: TX
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
It has been 10 weeks since I applied for a mortgage loan with PRMG. We have gotten nothing but the run around. My file was escalated to the branch manager, who told me I had been denied due to collections. I informed the branch manager that was wrong, and provided evidence to prove I do not have the number of collections he said I did. Branch manager never returned my call. My file was then escalated to the VP and he was able to remove my file out of the denial state and told me they would be working on it. Now we are dealing with the underwriter not calculating the condominiums association reserves correctly. My realtor along with the condo association has provided the lender with all the information needed for them to correct their calculating mistakes, and still nothing has been resolved. This has gone on long enough. I feel like PRMG has not been honest, this closing could have been done weeks ago. Both myself and the sellers patience is running extremely thin, and no one at PRMG seems to care too much to get a closing on this file.

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 2021-05-27
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage loan with XXXX  XXXX on or about XX/XX/2021, and I was pre-qualified for a refinance with a XXXX interest rate. After XXXX weeks into the process and providing all information to them, XXXX  was suddenly bought out by Guaranteed Rate, Inc. on or about XX/XX/2021. A representative from Guaranteed Rate told me they would honor the application and interest rate. They also told me that since the process was close to the end with XXXX, they would only need to verify some information and would close within weeks. They made excuses for XXXX months, telling me the loan would close shortly. However, it has not closed still. On XX/XX/2021, for the first time ever, the loan representative told me my loan would not be approved because my debt-to-income ratio is 88 %. None of my financial information or situation changed and this is the first time this was raised. And, the debt-to-income calculation is wrong. I am only responsible for 50 % of the loans on the rental properties I have. Guaranteed Rate is not showing me their calculation and not explaining why they are assigning 100 % of the rental property mortgages only to me. Additionally, they are not explaining why it took them XXXX months t raise this NEW issue, which appears to be an excuse. 
I suspect the delay and excuses have been fabricated to avoid closing on a loan they took over from XXXX XXXX. I can imagine regulators required Guaranteed to honor the pending loan applications and not to delay and drop customers.

Company response to consumer: Closed with explanation