BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Self Financial Inc.
State: IA
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:
I have three different self lender reports showing on my report. But there is one from XXXX  i have no idea about and its reporting i was late to one bureau and nothing to the others

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: OH
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:
While checking my credit score with XXXX XXXX I noticed my Equifax Credit Score points were down because of a Hard Inquiry generated by XXXX XXXX? I did not authorize XXXX XXXX to run a credit check on me, as I am not interested in there services. Public Utilities should not allow these unauthorized inquiries, in fact, legal steps should be taken against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Big Picture Loans, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Big Picture Loans, LLC
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a XXXX loan and I called Big Picture Loans and asked if this was a " payday '' loan, they stated no, They stated the Finance charge would be XXXX. I agreed to that thinking XXXX Time or over the first XXXX payments, I was not told it was going to be XXXX x XXXX payments for a total of XXXX. 
Nor was I told or had access to the truth in lending document until after I agreed and the document was uploaded to my acct. the annual percentage rate is XXXX the Finance charges will cost me {$2600.00} for a loan for XXXX the grand total would be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a payday loan from Big Picture XXXX and did n't expect my pay back amount to be so high in interest. They approved me for a {$420.00} loan and when reading the interest it will be over {$2000.00} or more to pay off .... Misleading information .... Too high of a fee for a {$420.00} loan ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Midwest Finance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am not disputing the loan in question. I notified the office of my inability to pay and that I would contact when I would be able to start payments again. I mailed a certified letter on XXXX/XXXX/2015 after receiving a visit to my home with a threatening note of coming to my job. The letter will be attached. I received a call at my job from Midwest today with the threat to come to my place of employment by XXXX XXXX/XXXX/15 after my written request that they only contact me by correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Credit Karma, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Update to credit file not being applied to my report for more than 30 days, balance is reporting as unchanged by Credit Karma, although my credit union reports it monthly on the XXXX none of the credit reports is showing correct information on balance for past 45-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED, IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i wanted to see what my score was I thought it came with the annual report and it did n't. I should not have to pay to get score from annual report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I took delivery XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXXXXXX MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided 3x in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped 70 points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the 700+ score I had before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
LVNV Funding Has frozen my personal bank account and removed money, claiming that I knew I was being sued. Which I did not! Also I had to go to the court to get copies of the suit and the return card from registered mail. ( which does not have my signature on it ) The frozen bank account has caused me to borrow from a friend just to get by, to say nothing of the bills that are now over due because I could not access my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. Transunion, XXXX and XXXX. Please assist with having this information remove from my credit file. The information do not have my name on the debt. 

Thank you, 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX AND 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2018-05-28
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.

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 2016-05-03
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I am a small business trying to transfer money to a contractor in XXXX that translated our website to from English to XXXX. Western Union had put my transfer on hold 3 times before approving it, withdrawing the money from my account, and telling me that the transaction would go through on XXXX XXXX ( today ). I got another message that the transaction is on hold and that they need a copy of the recievers photo ID. I decided this was too much of a hassle and tried to cancel the transaction only to be told I still need a copy of the recievers photo ID before they 'll refund the money to MY account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Wells Fargo Mortgage. I provided ALL THE DOCUMENTS they requested, and while waiting on a decision, I was informed the the final list of documents I sent, was recieved too late. Please note, the documents were faxed approximately one week after they were requested. Some were requested before, but we went back and forth, getting clarification on the required documents. So now, THE BANK DOES HAVE ALL THE DOCUMENTS, BUT STILL TOLD ME I HAVE TO RE-APPLY, EVEN WITH ALL THE DOCUMENTS SITTING IN THEIR OFFICE!!

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 2017-01-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint is to address the issue of Wells Fargo breaching a contract on a short-sale that they owned and i was trying to buy. We reached an agreed upon purchase price XXXX XXXX 2016. All parties involved set a closing cost date of XXXX XXXX 2016. Myself and my bank did everything we needed to do to be ready for closing on XXXX XXXX. On XXXX XXXX at around XXXX i received a call that wells Fargo would not show up to the closing unless i came up with an additional {$36000.00}. Needless to say they they were in breech of contract and in doing so have negatively affected many peoples lives because of it.

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 2016-06-15
Company: Windham Professionals, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have an account with Wells Fargo. However when we moved into our new house 21 months ago, they started calling my new home phone number several times a week. They do not leave a message, and if I answer they hang up on me. I have tried to contact customer service regarding this, but get a message that they can not take my call because of high call volume.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

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