BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Credit Control, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control LLC contacted me about a debt collection from an account with XXXX XXXX. They were quite rude on the phone. Unfortunately I did give them my social security number to verify their account. They say I had opened and account with XXXX in 2022 and purchased XXXX cellular phones in XXXX. I have lived in XXXX  in the same home address for XXXX  years and have never done business with XXXX. I think they found my name and used that to link to a delinquent account that existed under the same name in XXXX. I think that when I gave them my social they tied it to the debt and put it on my credit report. I feel like they are happy to collect from anyone regardless of whether the debt was theirs or not. That same day I contacted XXXX 's fraud department and they had no account tied to my social or phone number, the gentleman that helped me was very kind. However he couldn't do anything as I didn't even know the supposed account number. Credit Control LLC has done something very shady and treated me like the criminal when I spoke with them. I reported the activity to my Identity Theft Protection service that day and now this debt is on my credit report. I am very angry and wish I had the means to seek legal action against someone who feels that they have the right to bully me and negatively effect my credit regardless of factual information!

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I never missed a payment for about 12 years or so and all of a sudden I got a message that I missed a payment. I called to find out why they had this record and they gave me a long explanation that my payments over that last couple of years was short because of escrow increases. I had no knowledge of such and told them exactly that. They said too bad and I would have to make up the payment. ( over {$3000.00} ) The also told me that they were holding my money in a separate account until the next payment I made covered the amount of the payment missed. They then kept the additional money in that added account. I told them I would catch up the account over the next 4 months and they said they were ok with that. Over a couple of years my money was kept in an account separate from my mortgage and it gave me no interest or availability to the account. It was in essence their money. Then they started charging me a late fee each month until the account was caught up, which they said they would not do. It was a stressful time during and past covid when my business was essentially shut down. Late payment fees and hidden accounts I did not have any knowledge of. Sounds just like Wells Fargo. I'm sure there were thousands of these accounts that Wells Fargo was holding peoples money for their own interest and not the consumer. Thanks for your understanding!

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 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2017-11-15
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 our government stimulus payments were deposited in my husband 's bank account. He then used PayPal to transfer my portion to me, but neglected to notice that he had to specifically select " Friends and Family '' and it supposedly transferred as payment for goods ; consequently, PayPal deducted a fee for the transfer. I called PayPal and explained the situation and requested that they refund the fee as there was no exchange of goods. Paypal flatly refused, stating that they did not give refunds for fees regardless of the situation.

My husband is XXXX, on daily meds for XXXX  XXXX, and not tech-savvy. This is not the first time I have encountered this situation with Paypal, but it will be the last as I will no longer use it as a means of payment. I believe Paypal takes advantage of individuals who can not read or do not understand the fine print. They are less than helpful, bombastic, and unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a call from what I thought was my bank ( bank of America ). I was told there was fraudulent behavior so they called to verify. As the bank has done in the past, they told me they would send me a 6 digit code to verify and then was all set. Somehow I got locked out of my account for the following 3 weeks since there was some kind of website error/something the scammers did to my account. I went into the Bank of America XXXX to ask for help and was given a phone number to call since they couldnt figure out how to fix it. Once my account was unlocked, and I was able to see inside, I realized that 3 of the fraudulent XXXX  transfers went through, even though the two prior fraudulent XXXX  transfers were stopped. The three transfers total {$15000.00}. On XX/XX/XXXX I called the bank again to file a report. Over the next 3 months, I have been mishandled and misled by the bank, giving me no information and telling me that theyd be working to resolve the issue and find my funds. No one ever sent me updates. When I called, I would be sent to various departments and given different information each time. I filed a police report with my local police in XX/XX/XXXX. After not hearing anything, I went into the bank on XX/XX/XXXX to speak to someone, they connected me to the fraud department and told me they would not be able to recover the funds that the scammer sent himself through 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 monetary relief
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

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 2023-01-31
Company: Experian Information Solutions 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:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible! YOU ARE THE ONLY ONE REPORTING THIS ACCOUNT AS WELL!!

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 2021-07-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit limit was reduced with out any notice or reason, I have made all my payments on time. 

The reduction in the credit amount cause a direct impact on my credit score Historically the monthly interest charge is {$27.00} however on XX/XX/2021 I was charged {$170.00} in interest fees alone. 

I have tried tirelessly to speak to a representative for over a week to discuss my concerns One time I was on hold for over an hour no one ever picked up I have sent multiple emails, with no reply. I have not been able to communicate over the phone or by email.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This incident happened at the XXXX XXXX store with the address XXXX XXXX XXXX XXXX , XXXX, CA XXXX. 

On XX/XX/2023, at approximately XXXX XXXX. I went to the above XXXX XXXX store with my husband to purchase a king-size bedroom set. When we got to the store, one of their customer service people showed us what they had on the king size. After that, we were able to make our choice on what to purchase. 

My husband told him that we wanted to do financing, and we wanted a situation where we could pay with our own credit card. He explained to us two ways we can do that. He stated that we could make payment with their store card by opening an account with them and it is going to be 0 %, or we could pay with our credit card but it comes with some percentage. my husband asked him multiple times if their store card was a CREDIT CARD, and HE STATED, " NO '' He further stated that the card would be sent by Synchrony Bank. Additionally, he stated that we don't need the card to make payments, the purpose of the card is to track sales. my husband asked him again if the card was a credit card and he said " No '' Finally, we decided to go with their store card as he called it. and he started filling in my information on the tablet he had. moments later, he gave me the tablet to sign. when I was reading the questions and signing the information. My husband called the attention of the customer service person again and told him that this was a credit card that they were applying here. He asked him why they lied to us that it was not a credit card. he kept quiet without saying anything. My husband further told him that this is like applying for a store credit card. He IMMEDIATELY told customer service that we were no longer interested both in the card and in purchasing anything again. We left the store without purchasing anything or completing the signing of the application.

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 2023-01-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Received a copy of my credit profile and incorrect information was being reported on it. incorrect addresses, employment and phone numbers

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 2023-08-08
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been charged off and the debt is no longer a debt as it has been written off by the company. Ive requested the 1099 for this and have been ignored. this is a violation of the Fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: TX
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:
CREDITOR INQUIRIES INCORRECT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX List of Accounts : XXXX To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus : Noted errors-XXXX  date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : 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  Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Reporting Bureaus Re : Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX XXXX. To XXXX Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.

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