BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: RAB, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am the XXXX  of a XXXX that is in dispute of charges from a repair company. I was contacted by RAB ( Regional Adjustment Bureau ) and informed that they would be collecting the debt. I informed them that I was in dispute of the amount of the debt, but I agreed to pay part of the debt as full payment because I felt it was appropriate compensation for their efforts to repair our issues. I was then sent a letter stating that the debt was to be paid THAT DAY by ACH transfer OR Credit card. Fearing that the company may in some way be deceptive ( Based on internet information available to me ), I stated that any payments would be made by XXXX   check. They then made harassing telephone calls to me at my office ( on a recorded line ), then two calls to me harassing me on my cell phone. Then I received a text message stating " Should I call XXXX, XXXX or XXXX to get them to pay your debt ''. Those are my wife and children, not associated in any way with my business. 

I proceeded at that point to send an email with the following language : Harassing me in my office by telephone and harassing me on my cell phone are one thing, but sending me a text message threatening to harass my wife and children is unacceptable. I refuse to be on a phone call in which I am being yelled at and berated, hence the reason for my exiting the phone call ( all recorded ), but you have stepped way over the line. I will conclude any business with XXXX directly, ANY business between you and I is concluded. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 

I was contacted twice more that same day by this individual. I feel that this matter will not be resolved and this particular individual will stop at nothing to continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, during the COVID pandemic, I was approved for mortgage assistance through a Forbearance Plan. The plan temporarily paused my mortgage payments. My forbearance would expire XX/XX/XXXX. 
However, I received a letter dated XX/XX/XXXX, that informed me my loan modification, prompted by the COVID Forbearance Plan, was complete with my signature. It instructed me to resume payments XX/XX/XXXX, in the amount of {$1700.00}. Responding accordingly my payment was made XX/XX/XXXX. 
In XX/XX/XXXX, I received another letter dated XX/XX/XXXX, informing me I was in default of {$20000.00}, non-payment from XX/XX/XXXX, to XX/XX/XXXX ( see attached ). I immediately responded with detailed documentation showing payment made as of XX/XX/XXXX to XX/XX/XXXX ( see attached ). I sent the same information twice and made multiple phone calls hoping for a response or some feedback, I received none. 
Later in XX/XX/XXXX, I received a XXXX package with more loan modification documents requiring my signature. I was confused because I had not received any response to my correspondence. I was concerned if the new process included my information, and why the new modification. I called repeatedly hoping to speak with someone who knew about my case to get some answers, but I could never get passed the front-line agent. I always left a request for a callback, I never received one. I wanted to contact the loan Trustee XXXX XXXX, but I did not know how to contact him, as he did not show in the HUD directory. After numerous calls I was told I needed to sign the papers or lose my home. I received the new modification documents around XX/XX/XXXX, I finally signed them, out of fear of losing my home, XX/XX/XXXX. 
The issue is, the new loan modification pack included a {$53000.00}, HUD loan, and {$11000.00} second mortgage for me. Referred to as a Partial Claim Deed of Trust package. My forbearance was for ten months ( based on the restart date XX/XX/XXXX ) totaling {$18000.00}. This amount was merged into the initial modification when my payments restarted. The unnecessary need for a loan was prompted by LOANCAREs inaccuracies ( sloppy bookkeeping or something more ) keeping my loan in forbearance from XX/XX/XXXX until XX/XX/XXXX ( upon receipt of the {$53000.00} ), even though I was making payments as of XX/XX/XXXX ( see confirmed bank reconciliation documents ). Their failure to acknowledge the payments started in XX/XX/XXXX, ignoring my correspondence.

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 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I WAS JUST NOTIFIED OF AN UNAUTHORIZED INQUIRY FROM XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX Balance : {$3800.00}.

Company response to consumer: In progress
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo has been mailing several mediation request forms to my address, two were received so far, both closed out as duplicate due to prior mediation from several years ago.. Claim ID XXXX closed out by XXXX XXXX, mediation claims manager, another case ID closed out as well which I do not have number of. Wells Fargo sent these forms due to unresolved damages from accounts opened by Wells Fargo reps which I did not request, did not want, under the premise to used for bill pay when only one account is needed for such service.. At the time, I already had a Wells Fargo checking account open, did not need another. Damages from these unauthorized accounts sustained to this day, was offered a remedy payment amount of {$3700.00} in XXXX of XXXX by XXXX XXXX, nothing received to date. The total amount including IRS taxes is XXXX It appears payment was sent to my old address, which was not verified, after I moved in XXXX of XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Payment was sent via XXXX with no signature to address in XXXX after moving... Please note, this information was explained in numerous prior CFPB complaint regarding missing payment, Wells Fargo reps insist they're replied in, in which case their replies refer to check as cashed which was fraudulently and also explained in prior CFPB complaints.. Needless to say, this issue was not address due to fraudulent check cashing... Further note, the estimated number of complaints filed since XXXX of XXXX is around seventy or more... It appears Wells Fargo has reverted back to sending mediation request forms which are now being closed out as duplicate, despite no payments received to date.

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 2022-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
these were open not be one online and one in a store which i contacted them several time to prove this was mine they did not the adrees these acct took were wrong. and my privacy and consent has been violated. There is no law stated that these are to be report they closed the acct and still 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 2023-01-03
Company: Experian Information Solutions 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'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the XXXX mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you

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 2022-02-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
CHASE BANK ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This lab work was paid by my health insurance this company tried to collect unlawful debt before using different location also has used neighbor spoofing tactics to collect unlawful debt please investigate this harassing unlawful company close there business permanently before someone becomes victim of this company.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am a Federally Protected Consumer and In accordance with the Fair Credit Reporting Act the following accounts have violated my rights ; 15 U.S.C. 1681 section 602A states I have the right to Privacy, 15 U.S.C. 1681 604A section 2 states a Consumer Reporting Agency CAN NOT FURNISH a account without my WRITTEN consent. Federal law Overrides any company policy. 
Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you

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 2023-09-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am currently in the process of buying a house and needed to take care of my Synchrony/Discount Tire Credit Card . I was only notified when I was trying to pay my balance in full that my account was charged off to XXXX XXXX XXXX. I was never contacted to show that this company was now in possession of my loan. Once I spoke to XXXX XXXX on Monday XX/XX/XXXX and paid the account in full, I received a Release of Debt letter the day after through email. I then asked if there was somehow this could be sent to Synchrony by electronic letter and was told yes. I spoke to someone else and they said that this was false information and that it could take up to 60 days for Synchrony to receive the information that the account was paid in full. I then spoke to Synchrony and they said that they could not speak to me because my account belonged to XXXX XXXX even after my account said closed on the XXXX portal. I asked who I could send the Release of Debt letter to and they said they could not help me answer that. Between both companies, I have been left with unanswered questions and now I am at a stand still. If it is closed with XXXX XXXX and with Synchrony, who does this account belong to? This account needs to be shown that it is paid in full on my credit report and I was given a timeline of up to 60 days for Synchrony to receive the information and that it could take Synchrony 30 days to report to the credit bureau. I am needing this information to show up on my credit report in time for a credit repull on XX/XX/XXXX. Please help me expedite this release of debt to reflect on my credit report.

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 2022-12-12
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt with Nationwide Recovery was discharged earlier this year ( this is in my CFPB file ). The debt was sent to Nationwide Recovery in error by XXXX XXXX XXXX which they admitted to when they discovered that they never filed the insurance claims. I put XXXX and XXXX together on a phone call and this was resolved. The problem here is Nationwide Recovery who were instructed to back off, which they did at the time. Now they are coming at me again and impacting my credit rating. Nationwide Recovery is not operating ethically and I need these folks to clean their records and leave me alone

Company response to consumer: Untimely response
Consumer complaint received 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX SSN : XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : AMEX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: In progress
Consumer complaint received 2018-05-06
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
These big banks are so misleading when it comes to rewards/points. On XX/XX/XXXX, I redeemed points I had on my Barclays MasterCard and paid my bill a couple of days later. When I received my statement after it dropped on XX/XX/XXXX more than 10 days later, the statement said I had earned XXXX points. However, when I called to redeem my points the supervisor XXXX   Empl # XXXX  in Nevada told me I only had XXXX  points. When I asked what happened to the other XXXX points, she said I had redeemed them XX/XX/XXXX. I asked her why it would list points over 10 days after I had redeemed them, but then they disappeared somehow, she said I had redeemed them already. I told her to list points like this on the statement without a line showing that the points had already been redeemed was false & misleading. XXXX didn't agree.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Information is incorrect

Complaint:
XXXX XXXX XXXX agreed to remove two late payments ( XXXX and XX/XX/2020 ) and accordingly contacted all three credit bureaus. All removed but TransUnion.

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