BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
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: Personal information incorrect

Complaint:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the XXXX Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: GA
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 have disputed an item on my Equifax Report & they have failed to investigate correctly. XXXX & XXXX investigated and removed. I have also complained to the collection company. The debt is not mine. Equifax and XXXX accounts have both failed to provide proof of debt. I am furious!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : 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 2017-06-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to go deposit money on XX/XX/19 and i put in about 300 but the ATM didn't take the XXXX so it took only XXXX and even after that the ATM was still unsure and asked me to guess the amount of money i deposited. i made sure it was the correct amount because i counted the cash i had and i was missing XXXX. therefore i deposited XXXX then the tam said the transaction was going to be reviewed, and i was given provisional credit. so i then went and used the provisional credit then i was charged for the credit i used. after that i filed a dispute and after a while of having my dispute reviewed i was told that they couldn't do anything and i had not deposited the correct amount. and also when i reviewed the activity on my account it says that i deposited a check, when i never i deposit checks and always cash.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX I received a letter in the mail dated XX/XX/2021 from XXXX XXXX XXXX stating that they XXXX XXXX XXXX has reported fraud to the federal investigation i believe my by law husband XXXX XXXX XXXX whom im trying to divorce is responsible for these incidents. He also has allies he goes by XXXX XXXX or XXXX XXXX I have never taken a credit card out in my name nor did I take a XXXX dollar insurance policy out. His current address is XXXX XXXX XXXX XXXX ga XXXX I don't know of I need to contact the police about this but I've filed 2 working on 3 other reports on XXXX XXXX. Please help me my contact number is XXXX my name is 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 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.

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 2019-12-15
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX** XXXX XXXX  XXXX/XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
This dispute is against Chase Bank. It reports a charge off to my personal account for a business credit card opened by me on behalf of a business called Be   XXXX   XXXX   XXXX   approximately  XXXX  years ago.     This business credit card was opened as a business account by a business banker. He opened a savings and checking account for the business first, then asked if I wanted to open a business credit card. I consented. At NO time did he ever state to me that while this was a business account, that I would be personally responsible for payment of this account. Further he never showed me an application stating such. In fact, he did the entire application process on line, on his computer, facing him. I never saw any information, I was never given any information and I c ertainly NEVER signed anything stating that I would assume personal responsibility for this business account. I would NEVER have opened the Visa Card account had I known that I would be personally responsible for the debt of the business.      This banker clearly made a mistake by not having me sign anything. It is not for me to prove that I did not receive any information, it is for Chase Bank to prove that I did receive information and that I did sign an application stating that I would assume personal responsibility. They can NOT prove that I did because I did not sign anything. Interestingly, just yesterday I received a letter from  Chase Executive Office stating that their position remains the same, that I am  personally responsible and it attached a  16  page copy of the application I should have received, but did NOT receive. Not at the time with this banker, and not ever. This is clearly   Chase 's error, one for which I should not and can not be made personally responsible just because Chase says it 's their policy.
I find it very difficult to believe that the process is : I filed a complaint with    TransUnion about the  Chase post,   XXXX  goes back to the wrongdoer,  Chase, and asks them to reconsider, Chase says no, a nd that 's it. So  XXXX  reports harmful, damaging and costly information without recourse or responsibility? You ca n't possibly hide behind the shield of " Chase told us NO so it 's a NO '' and " We are only the reporting service ''.     I   want this post removed from my credit report immediately. It does not belong there. This was a business account, not a personal one. Chase ca n't force this on me just because they want to or their policy says so. They have to prove that I assumed responsibility and I did NOT.
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I had to increase my Insurance coverage, so I had an additional premium that was due outside of my yearly premium. Originally when I received the bill, I noticed it had the wrong Mortgagee clause still ( my loan was sold from XXXX XXXX to Dovenmuehle. ) I faxed the bill to Dovenmuehle and called on XX/XX/XXXX. They stated with the bill being due on the XXXX, it wasn't enough time to pay out of my escrow account ( which I understood. ) I called my agent and explained the clause was wrong and I was going to pay out of pocket. They updated my policy and with this update, they faxed the bill to Dovenmuehle and  changed the due date to XX/XX/XXXX. I called Dovenmuehle back to explain that I was going to let the bill be paid out of escrow, since it was enough time. They stated they'd do this. 

I called back on XX/XX/XXXX to check the status. At this point, the bill has been sent to the company 2-3 times by myself and my agent. The person I spoke with said she received the bill, she even told me the premium amount so I knew she had the bill in front of her. I confirmed that I wanted it paid out of escrows and she stated it would be paid. 

I spoke to my Insurance agent on XXXX to see if they received the payment, they state they haven't. 

Fast forward to today, XX/XX/XXXX- the bill is due. I call Dovenmuehle to check to ensure payment went out. The agent states that the bill was received but no one on their end had opened up an order to issue the payment on the account. I ask why, and he states the agent I spoke with on XX/XX/XXXX " messed up ''. I ask what can be done, but he states very little with the payment being due today. They can overnight, but it would still be late. I ask how this can happen when I specifically asked them to pay it and he keeps saying sorry but that it was Dovenmuehle 's fault. He explains premiums outside of the yearly payment aren't always paid, but I state, again, that I spoke to several people to ensure this payment is processed. I stated to the agent I spoke with today that I authorization this payment through my escrow agent. Two agents advised me on separate occasions that the payment will be made out of my escrows. According to the agent, I did everything correct by stating this payment was to be made. Dovenmuehle is at fault for not paying my premium like me ( the customer ) requested -- several times. 

I am now in the situation to pay my premium out of pocket today due to the neglect of Dovenmuehle Mortgage. Mistakes happen, but this needs to be addressed. It needs to be corrected by the company because they are clearly and admittedly, at fault. My escrow account is set up to handle these payments so I don't need to budget for Insurance and taxes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid to a collection agency FBCS , INC. Paid on XX/XX/2020 in the settled amount of {$280.00}. I would like this to be removed from all reporting credit bureaus since FBCS stated it would be considered settled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ZIONS BANCORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of this year we started getting calls from Vectra Bank stating we were behind on our payments for our personal line of credit. We also started getting notice from XXXX  XXXX  that they had posted past due payments on our credit report. We were confused because our payment is Auto Drafted and we set it up to be the required payment by Vectra, and it's been that payment from the inception of the line of credit. We have not missed one of those payments. The " collectors '' noticed that and were confused so they researched it further as well. We called the local office and they didn't know either. They finally got back to us and apprently what happened is that Vectra REFINACED the line of credit WITHOUT our consent and it doubled our payment. We absoluetly can not afford to pay double that payment and now we have over 400 in late fees and our credit score has gone way down. How is this even legal to completely change the terms of a loan that we have had for over 5 years without our consent or even giving us a phone call. I was in the local branch a couple months before they did it so why did they not talk to me then? We live in a small town, they have our cell phone numbers, one of the women that is the lead teller has known my family since we were children. This makes no sense. I want to see the documents with my and my husbands signatures on them that makes this ok.

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 2017-06-05
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I already issued a complaint. The case # was  XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Professional Finance Company, Inc.
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My husband and son, who have same name, both had procedures done about the same time at a  XXXX  center in  XXXX   XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in   XXXX  . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
This issue has been going on since XX/XX/XXXX. The first representative filed the issues as a dispute and not fraud, so I was never issued a new debit card. After months of phone calls and a CFPB dispute it was reopened as fraud but only the {$250.00} was reopened as fraud. The {$110.00} was not reopened as fraud and now has been sided against me because they redid it as a dispute a 2nd time. 


First dispute case : XXXX XXXX XXXX 2019 {$110.00} first case Charge # 2 XXXX {$250.00} XX/XX/2019 The {$250.00} is now a fraud case # XXXX The {$110.00} provisional credit will be removed from my account on XXXX XXXX 2019. 

This is absolutely absurd. I have called USAA so many times I have lost track. I just want this issue taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Eastern Management Group LLC
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief