BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: ORG GC GP Buyer, LLC
State: WI
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:
After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a Simple customer for years, and it was bought by BBVA. Since their digital migration on XX/XX/2021, I have not been able to set up an account, see my balance or reach their customer service. They have not emailed or called me back. Additionally BBVA customer service is a vey very long wait and when they do pick up the line is immediately disconnected. I have not been able to access my account for over a week now, this is unacceptable customer service. Customer service also has a very hard time understanding whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.

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 2021-05-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was deceived into the loan that I finished paying off. The terms for the end of it were not made known to me and I ended up making way more payments than I should have. Once it was close I also had to change my account number for my checking account during the process which further ruined my finances and showed up as a negative on my credit reporting. It is not fair that I wasnt allowed to decline the setup for that kind of loan knowing what was in store for me by Wells Fargo.

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 2016-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have requested numerous times to remove the Bankruptcy record from both my and my wife 's report. It has been more than 7 years, and by their own words, the record may remain on file for 7 or up to 10 years.

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 2016-06-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When trying to refinance my house, the lender ran a credit report that contains erroneous derogatory information. The collections company claims my information matches theirs, except for mailing address and they let me know who the party was who sent me to collections. I have had no dealings with the party, a law firm, who sent me to collections. I fear this is a case of an error, mistaken identity, or identity theft.

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 2017-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX. is reporting to Experian, Which they have not verified the debt that I owe.

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 2021-05-17
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: Information belongs to someone else

Complaint:
Please help me with accounts that I do not recognize. I just found these items and I want to inform you officially that these accounts are not mine. I am victim of identity theft and I want to complain on these items. I just can not move forward in my life due to this situation and I consider it as violation because these accounts are not mine. If you can please remove them from my profile after verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Paypal Holdings, Inc
State: NJ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a denial for XXXX Personal Loan because of LexisNexis Risk Solutions Inc. Risk View Consumer Inquiry Department This is not fair I am disputing the information reported by XXXX it is totally incorrect and going to be being removed so how do I stop these Profiling Risk solution companies to stop stop profiling me on bogus false information I am XXXX and a victim of identity theft and I demand to have this illegal practice of profiling on me to stop forever I am tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of 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 2021-05-18
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: Investigation took more than 30 days

Complaint:
This is me, XXXX XXXX XXXX XXXX a Resident of XXXX XXXX XXXX XXXX, Georgia XXXX, and I am writing this letter on my own behalf. 

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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 noticed a few accounts on my report that are not mine XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a few accounts on my report that are not mine 1.XXXX XXXX 2.XXXX 3XXXX 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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CB/WAYFAIR is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to have an investigation opened in regard an account on my credit report that does not belong to me.I was notified through a housing counselor while attempting to purchase a home, that there is an outstanding balance for a credit card that I never had had. The counselor advised me of the negative accounts with this one in-particular being an issue. I have since rectified one and am having difficulty getting the last one laid to rest. The account in question is from Midland Funding. The amount is {$810.00}, which from my last look at my report today has occurred new amount as of today XX/XX/2021 of {$810.00}. I have have taken the liberty of contacting the credit card company once I had the name ; I spoke directly to a supervisor to get clarity on the matter. I was notified that the account was sold. I let the supervisor know that I was not aware of this fraudulent activity until recent. I would like for a fraud case to be opened on my behalf. The account I feel should be opened for more than three reasons. # 1. Inaccurate information and dates. # 2. Identity theft and # 3 Inaccurate documentation. 

In closing I would like for the CFPB to investigate please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged excess interest on my card. I was charged full interest even though I made a payment. First it was confusing what amount needed to be paid to avoid interest ( other credit cards are very transparent about this ) and then I was charged full deferred interest even though I made a payment of XXXX, which is incorrect. Please remove interest charges on my account 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 explanation
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This company continues to report incorrect information on my credit report that was XXXX and it is affecting my ability to obtain new credit. I have attached supporting documents.

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 2016-02-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a complaint with the CFPB around XX/XX/2021 against Transunion for not deleting an account on my credit file for several inaccuracies. I believe they retaliated by Deleting a positive account from the same company. When I found out about this positive trade line  being removed XXXX  employee tried to tell me it was XXXX who removed it.so I called XXXX and after investigating they told me what really happened it was XXXX  who Deleted my positive account. The date of removal was XX/XX/XXXX and please have them show the reason for their actions? That account was my oldest it had over 20 years of good reporting.

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 2021-05-18
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Consumer Portfolio S Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us

Company response to consumer: Closed with explanation