BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted around XX/XX/XXXX by phone and it was a representative from Professional Bureau of collections of Maryland. She told me there was a balance of {$340.00} on the  account and that i needed to pay right away or they would damage my credit by putting a collection notice on my account. 
I told her I had not received a letter or bill and I didn't have time to talk. 
I called back later that day and spoke with a man who was very rude and said the same thing threatening our credit report. 
I told him that i had not recieved a bill or letter and wasnt going to pay anything until i recieved it. He again threatened my credit and i told him i will wait for the notice. 
I recieved the Letter dated XX/XX/XXXX and the bill was {$340.00}. I pulled up the EOB from the insurance company that says I owe {$160.00} and that the insurance company had issued a check for {$180.00} on XX/XX/XXXX directly to the creditor. 
I then called the collection company and told them that I only owe the {$160.00} and had proof that the balance of {$180.00} had been paid by the insurance co. 
I sent the proof to XXXX and then he called me back and agreed thats all I owe so I paid them over the phone {$160.00}. 
Yesterday XX/XX/XXXX i recieved a notice on my credit report that there is a collection on my report from the same company. I called them and they said that i still owe the {$180.00} and they will not take the collection down until i pay it. My Insurance company has already Paid it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Their investigation did not fix an error on your report

Complaint:
I previously disputed the attached XXXX  XXXX Bankruptcy # XXXX, with TransUnion Credit Bureau, and in response they VERIFIED this account to be ACCURATE. They verified the information with the court. See EXIHIBIT ( A ). 

I contacted the US Bankruptcy Court, and their response is attached. See EXHIBIT ( B ). 

It is clear that courts DO NOT report to TransUnion or ANY credit reporting agencies for that matter ; therefore, TransUnion 's original response verifying this item with the court was either an error or a lie. 

I specifically requested their METHOD OF VERIFICATION, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ), TransUnion failed to provide that information. 

It is a FACT that bankruptcies are filed with the courts, and NOT with the credit bureaus. It is a FACT that credit bureaus purchase consumer information from third parties. See EXHIBIT ( C ) Courts are NOT the furnishers of information. TransUnion 's results would be considered FALSE REPORTING, which is a direct violation of the FCRA 611 ( 15 USC section 1681 ) and this information must 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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IT IS CUSTOMARY AND PRECEDENCE AS WELL AS CONSURMER REPORTING PRACTICE TO NOTATE WHEN AN ACCOUNT IS IN DISPUTE. THIS ACCOUNT WAS NOT NOTATED AS SUCH, THEREFORE MANDATING THE REMOVAL OF THE ACCOUNT

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 2023-05-15
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec XXXX XXXX statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 7 years and 7 months since this contract was entered. XXXX this company Roosen, Varchetti, and Oliver, PLLC. is violating the Fair Debt Collection Practices Sections : 440.2725 Statute of limitations in contracts for sale ; contractual reduction. 

Sec. 2725. 

MICHIGAN LAWS STATES : THE CONTRACT SALE SIGN DATE WAS XX/XX/XXXX Default date is a lie and the balance is a lie you have received over, {$9000.00} You have received all the balances state income taxes, and wages you are a fraud and a scam I will not stop fighting this till you go down. This oil leaking lemon was sold for {$500.00} that tells you that I will Pursue action against you. I will not stop. Till you be reported or lose your attorney license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously submitted complaint ID XXXX regarding fraudulent report freeze/unfreeze practices of Experian. In its response Experian said to go to www.experian.com/freeze to unfreeze ( the unwanted and fraudulant freeze they had imposed on my credit report ). On XX/XX/XXXX ( the date of the company 's response ) I opened that and was redirected to https : //www.experian.com/freeze/center.html where I selected Remove or Lift a Security Freeze, which went to https : //www.experian.com/ncaconline/removefreeze. I filled out the form but when I tried to submit it the web site reported missing previous address. The form had no fields for previous address. This form is a fake. It is designed to look like Experian is willing to lift an unwanted freeze while actually making it impossible without buying their " protection '' service.

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 2020-08-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a refund processed by Chase Travel on XX/XX/XXXX for {$2500.00}, originally purchased using my Chase Credit Card. Since the purchase and when the refund was processed, I had closed my card account. 

I have been reaching out to Chase Travel and Chase card services since that time to have the refund processed. 

Chase Bank claims they do not have my credit card information on file. I have no way of proving them of my account as my statements were online and Chase Bank removed the access to them from the online website. 

All my responses to Chase Bank only revert back with an automated message saying they are busy right now and the request would take more time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a medical account with this company in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 4 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 4 months and never to be responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 XXXXXXXX XXXX in  XXXX, Ca sent a wire transfer to Wells Fargo Bank XXXX XXXX XXXX XXXX Tx. in the amount of XXXX XXXX the recipients did not receive the wire money. On XX/XX/2022 another wire was sent out for XXXX the recipients received the money and a recall was filed with Wells Fargo to return the wired money sent out on XX/XX/2022. Wells Fargo refused to return the wired money after a number of requests by XXXX Bank. The recipient account number had one number too many is the reason the recipients did not receive the wired money on XX/XX/2022 Wells Fargo failed the responsibility to return the wired money sent out on XX/XX/2022 as of today. Wells Fargo is refusing to return the money/

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 2023-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2023-08-13
Company: EQUIFAX, INC.
State: IN
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 not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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  {$4700.00}

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 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled a credit card ending in XXXX on XX/XX/2023. The card is destroyed so i don't have the full number. 
I was charged a late fee of {$29.00} for a late bill totaling {$50.00}. 
I called and was told the balance was {$79.00}. 
I made the payment thru my bank and it was processed today. 
I got an email today I owed another {$1.00} amount for an interest payment. 
I called today to find out why I was not told of this fee yesterday. 
The woman could not tell me just that it was posted yesterday. 
Since I cancelled the card yesterday I don't hink I should have to pay this amount. 
I know its a small fee but its the principal, and I'm not confident they will not charge me for something else again. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Opportunity Financial, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A while back, I had a loan with Opportunity Finance that went into collections. But several months back I contacted them and arranged a settlement to resolve the account that they agreed to. This arrangement was made and fully funded in XXXX of 2020. Despite that, Opportunity continues to report that there is an outstanding balance on this loan. I've disputed the account several times with the credit bureaus, and even called Opportunity Finance and asked them to fix this ; but this account still shows as unresolved on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. In 2011, I filed bankruptcy. I had a 2nd mortgage on my property at XXXX XXXX XXXX XXXX Ca. XXXX. I was given the option to keep the 2nd as a lien on my property and if/when the property sold, the debt would be paid. That is how I understood it. I received notice that a company called Realtime Resolutions bought the 2nd mortgage. It would always say if you filed bankruptcy, this is not an attempt to collect a debt. I just assumed it was for informational purposes only. Early XXXX, my WHOLE family started receiving phone calls that my home was in pre-forclosure. I thought it was a joke. I pay my mortgage on time every single month. Never once did I receive a phone call from real time resolutions to try to resolve this. In XXXX, I reached out for legal advise. They looked into and said the best thing I could do was to fill out a loss and mitigation application. He advised me that these companies buy the loans for pennies on the dollar and they would most likely settle. I first reached out to family to see if I could borrow some money to help settle. Once I got a good amount of money, I filled out the application. I was going back and forth with them. The first letter offered 2 options. Short sale or {$64000.00} lump sum. That lump sum is more than what my statement says is due. Every month, they say total amount due is {$41000.00}. At the time I filled out the application, I was working full time. On XX/XX/XXXX, I was laid off from my job. When I informed Realtime,  according to XXXX, any changes to my income or assets bears no weight on their decision which is as follows. 
1. pay a lump sum of {$4400.00} and then pay {$260.00} a month until the loan is paid off. 
2. short sell your home 3. pay {$65000.00} lump sum to pay off loan. 

Yes, this is what is happening. I don't have that kind of money. I felt bullied into paying something that was way more than what I owe. They are rude and to do something like this during a pandemic is unacceptable. I offered to settle but never did I imagine it would be {$20000.00} more than what my statement shows. 

I feel like I did all that I can do to try to settle. I can barely afford to pay my own bills let alone come up with this ridiculous amount of money. I live check to check right now and I cant afford another monthly payment. 

I would hope that Realtime is willing to make a fair and just settlement with me. Not one that either breaks my bank of throws me and my family on the streets. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
At the beginning of XXXX I lost my job. I immediately applied for the forbearance program with my mortgage company Wells Fargo. During the intake call I was asked if this was COVID related. I said no because I thought they were asking if I had COVID and that is why I lost my job. I was enrolled in their forbearance program ( non-Covid- Cares Act ). I remained continuously in the forbearance program until Wells Fargo until they sold my mortgage to XXXX XXXX in XXXX. Once the mortgage was transferred Wells Fargo reported my mortgage as 90 days delinquent. This reduced my credit score from XXXX to XXXX. I immediately contacted Wells Fargo executive office. They conducted an investigation and concluded that the delinquent credit reporting was correct because my forbearance didnt fall under the Cares Act. Then I contacted my attorney and explained the situation. He explained to me that my forbearance was covered under the Cares Act since my job loss was related to Covid due to a loss of business which was related to Covid which in turn eliminated my position. Then I contacted Wells Fargo executive office with this new information. They started another investigation and concluded that the delinquent credit reporting was accurate since I didnt initially claim the job loss was due to Covid. 
Due to my lack of understanding of the initial question regarding Covid during a traumatic and stressful time in my life, I would like my forbearance program reclassified under the Cares Act Forbearance program and the negative credit reporting about the account being 90 days delinquent removed from all of the credit bureaus As a side note my VA XXXX was increased to 100 % in XXXX. In XXXX I was able to bring my mortgage completely up to date and it continues to be up to date. I have stellar credit never missing any kind of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-08-14
Company: AMERICAN EXPRESS COMPANY
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:
American Express : account ending in XXXX Due to my wife contracting the Corona virus my income was severly impacted for several months. I called my creditors including American express to ask for my payments to be waived during this time. American expressed agreed to waive 2 months of payments for the months XXXX and XX/XX/2020. As i promised I resumed payments in XX/XX/2020. I was informed that the payments i missed would be reported as missed on my credit file. 
I was told there would be no negative reporting to my account due to Covid-19 when i made the arrangements. 
It is illegal for American Express to report my account negatively as I did inform them of my situation with Covid-19 and resumed payments as agreed.

Company response to consumer: Closed with explanation