BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: FMA Alliance, Ltd.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called FMA Alliance ( XXXX ) called claiming they are collecting a debt on a XXXX  XXXX credit card, which I do not have. The caller was XXXX XXXX. I confirmed I do not have an account by trying to log into the XXXX XXXX website using my social - no account was associated. I also ran my credit report and I have not had a XXXX XXXX credit card for many years. The man stated I opened an account in XXXX  which is not accurate. When I tried to call back to speak to a supervisor, the person said - after obtaining some of my personal information ( DOB, last XXXX  of social ) for verification - that it was a " misdial '' and put me on hold for over 15 mins ( still waiting for the supervisor ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-08
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter on XX/XX/XXXX regarding a debt. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. 

They lied about not receiving my dispute and has violated FDCPA guidelines for not pausing the debt to properly verify and provide proof of debt. They did not mark the account as disputed on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I have been applying for XXXX XXXX jobs for the last month. I recieved this email from a listing I applied to on XXXX  : Dear Candidate, We were impressed by your background as a XXXX/XXXX  XXXX  and would like to invite you to interview with us. 
You'll learn more about the position as we get to know you better. Looking forward to your response! 
Regards XXXX XXXX Human Resources Recruiter at XXXX XXXX I then did two interviews with them and was sent this email : Hello XXXX XXXX, Congrats on your new hire, It is my pleasure to extend the following offer of employment to you on behalf of XXXX XXXX ; this letter sets forth the basic of terms and conditions of your employments, please review the term set forth in this letter carefully, and do not hesitate to make enquiries from me where necessary. 
Regards. 
XXXX XXXX HR Manager at XXXX XXXX. 
I then was given a hr rep for training and that is XXXX XXXX and we used XXXX and his id 's for the app are DESKTOP ID : 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 and PHONE ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filled out work paperwork and emailed them back and then was given money to deposit into my account from their supposed bank. These checks were used to send to their " vendors '' and get gift cards for product that was on the invoice they sent me, which is below : Product XXXX  XXXX Pro ( 16-inch, 16GB RAM, 1TB Storage, 2.3GHz XXXX  XXXX  XXXX  ) XXXX XXXX XXXX Product XXXX XXXX XXXX  XXXX Wireless Monochrome Laser Printer XXXX XXXX XXXX Product XXXX XXXX  XXXX Cross-Cut Commercial Grade Paper Shredder XXXX XXXX XXXX Product XXXX - XXXX  XXXX XXXX Full-Frame Mirrorless 4k Video Camera XXXX XXXX XXXX Product XXXX XXXX XXXX Wireless Headset XXXX XXXX XXXX Discount PROMO CODE : XXXX XXXX XXXX XXXX NOTES : Payment Methods : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX I was told I will get this equipmetn by my start date of XX/XX/XXXX. Today, the checks bounced and now I am -XXXX  in my balance and I am liable for the money. This XXXX XXXX has delted the chat history and the phone number disconnected. I also called XXXX  XXXX ( the bank on the checks ) and they said that they did not send any checks and that it was 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 monetary relief
Consumer complaint received 2023-02-17
Company: Terrill Outsourcing Group
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted twice in two day 's time by Superlative RM. At both points of contact, the agent and his superior were demeaning, derogatory, questioned my intent to resolve, and accused myself and my partner of having unreported funds with which we were capable of resolving the debt. They pushed unnecessarily for closure of the debt, while I insisted on a 7-day time frame with which to discuss financial means to close the account. 

During the initial call, my assigned agent became so insistent and derogatory that he worked himself in to a frenzy and begun yelling. His supervisor curbed his enthusiasm enough to not yell, but was almost as aggressive and demeaning. 

I ended the call with a request for electronic confirmation of agreement to settle at which point i would return a call to follow up... which was never sent. 

They called the following day asking why I hadn't reached out, with veiled accusation of avoiding the debt. Again, pushing for immediate settlement, and dismissing reasonable request from myself and my partner. 

If this is common practice for this company, i will avoid interaction with them at all cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX XXXX my problem is with chime banking in regards to an account that they closed out for no underline reason of my fault, in a nut shell this is what has happened I used my card for a XXXX dollar seven day free trial from the companies of XXXX XXXXXXXX and XXXX in XXXX of XXXX I did not authorize any other transactions from them but they chose to take money from my account for 14 transactions of {$23.00} from XXXX which four were refunded and this company is/was trying to refund the other transactions for the total amount of XXXX conformation number is XXXX. And for the company XXXX there was a total amount of 28 transactions taken off my account for {$28.00} per transaction they refunded eight transactions and is trying to refund the rest of the 20 transactions of {$28.00} times 20. The two account numbers are for the first account is XXXX conformation number is XXXX and the second account number is XXXX with the conformation number being XXXX. I also had refunds coming to the account from XXXX for {$59.00} transaction number XXXX. So back to what happened to this point in XXXX of XXXX I was incarcerated ( which I proved where and who I am to chime and these companies ) but I was locked up from XXXX of XXXX until XXXX of XXXX at this time I regained access to my account and realized what was happening and reported it to chime at that point they stopped my card and issued a temporary card. This stopped the companies from refunding the money. I then called chime again and let them know they were trying to send the refunds. Chime then allowed some refunds and stopped the rest. I put in a rebuttal they again refused. And shut down my account stopping me from accessing my account and any thing pertaining to it dates transaction history and the money that was in my account. Which cost me more money. And time aggravation. These transactions were unauthorized and adds up to be a lot of money that I acquired. These companies can not refund the money until chime allows it. Because it is linked to that account. At first I just wanted the money that is mine back but now that I have had to spend more money and time because of there lack of business ethics and laziness I wish to push back and harder to prevent this from happening to any one else and for my time money and aggravation. What they are doing is wrong and robbery. I was locked out of my account money held and done wrong for someone elses wrong doings. Please help me resolve this matter and stop it from happening to anyone else... if any information is needed I can be contacted at XXXX thank you and please help the last four numbers of my ss # is XXXX born in XX/XX/XXXX again ty

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a mortgage holder with XXXX XXXX, a mortgage servicer, They recently changed their image/name and now go by Mr. Cooper, I have been making payments as usual monthly payments on a monthly basis. A few months ago, my neighborhood was hit by hurricane Irma. I was contacted by Mr. Cooper advising that if I was affected by the hurricane that they had a forbearance program that would allow me to pay a minimum per month {$100.00} on my mortgage for 3 months and that they suggested that the balance of each month still owed would be added at to the end of the overall mortgage payment schedule, which I was ok with and continued to make the minimum payments that was agreed between the mortgage company and me. Since that time, I have been trying to reach them to discuss the agreed upon arrangement we have made. I have been trying to reach the company, XXXX XXXX multiple times on a few different numbers that was listed on the payment statement. Each time I tried a different number I always got the same recorded message to XXXX XXXX XXXX. They continue to send me these statements and telling me to call them. I continued trying to reach them and the call always going to the same voice message a XXXX XXXX XXXX. I feel like they are intentionally avoiding me and to not discuss thus forbearance arrangement we have made creating an impression that I am defaulting on my mortgage, of which I 'm not in default. I would like to get to the bottom of this matter and talk to the lending company on this dilemma. No one is calling me and I 'm continuing to get statements and notes are being left at my door indicating importance to contact them. While no one will return calls from my messages on the many times I would leave them, I am in the dark with the forbearance arrangement we agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Account status incorrect

Complaint:
I contacted XXXX/XXXX  to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-10-21
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Wells Fargo account and was charged excessive overdraft fees.

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 2022-03-04
Company: EQUIFAX, INC.
State: WI
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:
There is a mortgage from XXXXXXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MD
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:
US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, Equifax, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. Please remove the late dates from this account : 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 2023-02-26
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16
Company: EQUIFAX, 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:
Im a victim of the Equifax data breach, and I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Listed below are those fraudulent inquiries! XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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