BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date opened XX/XX/XXXX Balance : {$590.00} Late open XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: National Credit Systems,Inc.
State: GA
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 requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Penn Credit Corporation
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Have received phone calls at XXXX on XXXX, XXXX on XXXX, and at XXXX on XXXX from the collection agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Higher Level Processing
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
XXXX I already filed a complaint earlier back in XXXX  with the number above. I was promised a refund from HLP and the company never gave it to me. I called them and they transferred me over to another department and it went into voicemail. I emailed the letter given to me in the response from the previous claim. This company is so bad. I need help making sure that they do their promise to me, and I get my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A rental eviction was paid XX/XX/2013 into the XXXX County Courts in XXXX, GA. The landlord received money from the courts for the same amount collection agency is trying to collect for old landlord on. Collection agency knowingly and fraudulently knew they could n't collect on this account since tenant has no contract with this agency and landlord already been paid by the courts. Collection agency been told that had no right to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My wife bought a XXXX Subaru Forester at a dealership in XXXX, Massachusetts. The dealership submitted a car loan from Ally Financial with a high interest rate. 
My wife 's name is XXXX XXXX XXXX and she is from XXXX. Because of the high interest, payments were difficult. The XXXX Subaru Forester was ending up being towed for missing payments. My wife, XXXX, was angry at me but we finally got the money for the tow and storage fee and the back payment to get the car. 
I now have read the Justice Department and Consumer Financial Protection Bureau article by XXXX XXXX of XXXX XXXX regarding the XXXX to settle the minority car loan discrimination probe. In this article it stated that we would not need to do anything. That we would be notified.

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 2023-03-29
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
When using Zelle, you are able to send money to individuals even if the account doesnt have a verified phone number through the XXXX app, which partners with Zelle XXXX 
The XXXX XXXX app has no way to verify your phone number. When you try to, it asks you to use Zelle. 
When you download the Zelle app to verify your number, it forces the XXXX app open, blocking your access to the actual Zelle app. 
Zelle also does not have a web browser version to do so. 
You have a certain amount of time to verify your your phone number in order to accept the transaction. 
If you dont meet the time allotted then the money is collected by Zelle and there is no way to get it back. The sender nor the recipient retain any funds involved in the transaction. 
This is essentially theft, supported by Zelle and enabled by every bank that uses the app that lets this go unchecked. 

I spoke with a chief software engineer XXXX XXXX at Zelle about the issue, and he gave no solution or admission of wrongdoing. 

He claimed That Zell is designed for banks to use, which essentially makes it an extension of a bank, as it is acting in their interests, and should be held accountable to the same rules and regulations. But they are not.

Zell has allowed banks to operate outside of the rules they have been given.

This is a class action lawsuit, and it should be investigated further.

This causes a lot of issues. Delay in payment and a loss of time and increased stress on the customer.

The law should not be passed over due to a 3rd party acting in the banks best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account. 

I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion. 

Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance. 

I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX   OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus. 

I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus. 

Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ). 


Thank you very much for your help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.

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 2016-05-31
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with 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 2016-04-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt was paid in Full in XXXX of 2015. They are still reporting it as a {$0.00} balance but has not till this day changed that it was Paid in FULL and it 's closed. I have suffered and repeatedly disputed this from the XXXX credit buerus and still have not takin any action. I do n't understand why it takes a year and till this day keep reporting it as open and {$0.00} balance. I also asked for it to be removed because of the inaccuracy and they told me no

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Currently undergoing a Deed In Lieu with Wells Fargo that started in XXXX, XXXX ( last mortgage payment made in XXXX ). Throughout this process I have made every attempt that I know how to make, in order to facilitate closure of this DIL. I am on my third or fourth Home Preservation specialist ( since XXXX XXXX ) and every time I attempt to contact the current specialist, that individual is not available, nor do they return my call. I have gone into the local Wells Fargo Home Mortgage branch in XXXX, CA. in the hopes of learning something and utilizing an internal Wells Fargo email system. The local mortgage specialist did help by sending an email to my specific home preservation specialist ( at the time ) and CC 'd her manager. No reply was ever received by either party and when I emailed the local representative back, no reply was ever received. I have sent, and re-sent duplicate documentation ( multiple times ) whenever Wells Fargo asks for it throughout this time period. On the rare occasion I am able to talk to another ( not mine ) home preservation specialist, the typical response is that my specialist is assisting another customer, and that they would leave them a message. When asked to look at my account, the individual I speak with responds with the typical phrase " it 's in loss mitigation, we 're sending them an email right now and you 'll get a call back within XXXX48 hours. '' Call-backs never happen. This process has tanked my credit and I expected that. What I did not expect, was for this to last 1 1/2 years. Wells Fargo was given all information they asked for, within 8 hours of them asking. This lack of communication and action by Wells Fargo is damaging my abilities as a responsible consumer. I have multiple documents involved with this process and will upload them. I was contacted by the VA in XXXX, XXXX and in the VA 's notes from Wells Fargo, it shows that " the DIL has been approved '', however I am currently receiving letters post-dated after that information was posted to the VA representative. In XXXX, Wells Fargo procured homeowners insurance on this property due to my private insurance running out on XXXX XXXX, XXXX. I spoke with Wells Fargo Insurance division and relayed my concerns about Wells Fargo purchasing additional insurance on this residence, as I would no make payments for additional insurance on the property if I ca n't afford the mortgage, and that I did n't want to become delinquent to whatever 3rd party Insurance company Wells Fargo contracted with. Wells Fargo went ahead and purchased the insurance and I have been assured that I will not show as delinquent to this 3rd part insurance provider, even though they 're not receiving a payment from 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-03-29
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: Information belongs to someone else

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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I lost my job in XXXX due to COVID-19. I missed exactly 2 payments. From XX/XX/XXXX to XXXX XXXX. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. Since XXXX They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: WY
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am an identity theft victim. My personal information was used with out my consent several times to open accounts under my name. These accounts are reporting fraudulently on my Experian Report # XXXX. 
I filed a police report on XX/XX/XXXX with the XXXX XXXX XXXX Report # XXXX reporting the first incident of identity theft on my report. I have also filed an FTC identity theft report # XXXX. 
The fraudulent accounts are listed below : Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4900.00} Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$14000.00} Company : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2300.00} Company : XXXX  XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2900.00} This is a violation of my rights under the FCRA 605B ( 15 U.S.C. 1681c-2 ) I have attached additional items such a police report and identity theft report to this complaint as well as other verification documents to confirm my identity.

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 2021-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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