BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear Whoever this may concern, I am writing to express my deep concern and disappointment with the services provided by XXXX XXXX. I have recently become aware that the company has opened an account in my name without my consent or authorization on two separate occasions, the first being on XX/XX/XXXX, and the second on XX/XX/XXXX. 

As a consumer, I have the right to be protected against identity theft and fraud, and the opening of accounts without my consent violates this fundamental right. Furthermore, I have informed your company that the account in question was the result of identity theft or fraud, and have requested that it be removed from my record. Despite repeated attempts to resolve this issue, I have not received a satisfactory response from your company, and the account remains on my record. 

I believe that the actions of XXXX XXXX constitute a violation of my consumer rights, and I demand that immediate action be taken to rectify this situation. I am also requesting that you provide me with a written explanation of the steps that will be taken to ensure that this type of situation does not occur again in the future. 

I look forward to a prompt and satisfactory resolution of this matter. Please be advised that I will not hesitate to take further action to protect my consumer rights if necessary. 

Sincerely, 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 2016-03-10
Company: Accelerated Receivables Management, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Accelerated Receivables Management Inc. from XXXX Florida licensed in Texas Registration No. XXXX. Texas XXXX XXXX. XXXX trying to collect from XXXX XXXX XXXX XXXX That filed Chapter XXXX Bankruptcy in XXXX and the company was purchased by XXXX XXXX XXXX XXXX XXXX XXXX and the Department of Justice filed a lawsuit for fraud for overcharging and kickbacks to physicians. First the letter was sent to me by the collection agency then when I disputed the bill I received a letter with an attorney letterhead collecting the same debt same address but saying the Insurance Company sent me the money and did not send it to XXXX XXXX XXXX, first I have the office visit from XXXX/XXXX/XXXX and there were XXXX tests ordered not XXXX and why would not just say they were licensed in XXXX why did they get licensed in XXXX XXXX XXXX filed a Cease and Desist order for Accelerated Receivables Management Inc., not to be collecting from clients that they had no clue that they even owed the alleged debts and sending letters to patients. I have all the documents but they have not provided me a signature that shows I signed to have XXXX lab tests drawn and they were supposed too send my labs to XXXX XXXX not XXXX XXXX XXXX. Make it clear they filed Chapter XXXX Bankruptcy Not me. Thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-02-10
Company: RSB Equity Group, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-19
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
When I tried to login to XXXX to check the status of a credit card chargeback dispute response for our Merchant ID : XXXX that we submitted last week, the login prompt, in addition to requesting my normal password, also started asking me questions and data that I never even entered in to begin with when I registered/signed up with XXXX. 

Questions like " what was your childhood nickname '' do not even exist because I never even had a childhood nickname. 

Now I am concerned about too many attempts to login because I do not want to be locked out of my account. 

Now I have called their customer service number and after having been verified time after time, I have been transferred now 3 times, the last time sending me a " black hole ' where no has answered the phone for what, 30 minutes, and with no music, or anything, just periodic weird spooky " clicks. '' Finally, after transferring/keeping me on hold for what 30 minutes they just hung up on me. 

In addition, whenever I email their customer support email at XXXX '' I get a weird email from " XXXX '' telling me that " This is an automatically generated email, please do not reply ... Case Reference ID : XXXX ... Account Name : Merchant Internal Support Account Placeholder ... Chain : MID : Case Category : Online Case Type : Portal Support Requester Name : XXXX XXXX XXXX, XXXX ... Dear Merchant, Thank you for contacting Customer Care. The case you are responding to has been closed and is no longer being monitored... We appreciate your business... Thank you! Customer Care. '' Please urgently investigate and advise.

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 2023-04-17
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 was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Any activity against my credit is not from 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 2022-11-04
Company: EQUIFAX, INC.
State: IN
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:
Third time I have submitted dispute with Equifax for incorrect information on paid balances. All collections were paid XX/XX/2022 at time of closing of real estate. XXXX XXXX has already corrected XXXX of the XXXX issues. Equifax has incorrectly identified me as XXXX XXXX. Equifax is refusing to accept downloads for documentation. Equifax has a XXXX balance posted on a paid collection account. Equifax is unfairly and purposely engaged in targeted harassment against me. The average point increase for payment of collections is an average of XXXX points increase per paid collections according to the webpage in writing. Equifax has increased my score by XXXX points for paying XXXX accounts in full. Equifax is currently engaged in targeted harassment and unfair business practices directed at me. The closing of property is public records. Title company is not going to allow me to sell property without paying all collections at time of close. Equifax is purple not changing my score in spite of payment. Erroneous and inaccurate information is my entire account with Equifax. Equifax is no longer accepting any documentation from me via them dispute website. I believe that this is targeted discrimination in response of me questioning against the inaccuracies of their business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Century First Credit Solutions
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello CFPB team. 

I was paying for more than 1 year around {$400.00} month to mouth for credit solution the company name is Century First Credit Solutions Inc of XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX New York XXXX .Tel XXXX, They never answer the phone, they never did any solutions, I have a copy of the emails sending, asking my situation. If you see the real bad reviews of XXXX can verify that its true by the amount of complaints and claims of scammed customers. I appreciate all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
# XXXX 5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Navient Solutions, LLC.
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:
The company Navient is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint immediately placed the account into default status and began threatening foreclosure. Additionally, they contracted with another company who changed the locks on my property and alleged to winterized a home that had been previously winterized. 

After filing a complaint with your agency in XXXX of XXXX Shellpoint honored the agreement made with XXXX and my account was returned to good standing. However, Shellpoint has consistently denied me access to the property even though there are no outstanding balances on the property. Every attempt since XXXX to gain access to the property, as recently as XX/XX/XXXX has been met with the same statement. We are escalating your your request and someone will be in contact with you within 24-48 hours. The return calls never happens, in spite of the monthly mortgage being paid and in spite of advising their customer service reps and supervision that the calls were being recorded and that I would be contacting an attorney As a result of being locked out of my home, I have been unable to assess any damage rendered to the property by Shellpoint representatives or lease the property to interested parties. However, my phone is inundated everyday with callers seeking to purchase the property. 

XXXX and Shellpoint 's handling of this property has caused substantial stress and severe mental anguish as every attempt to conduct routine business results in unproductive phone calls no less than 1.5 hours. 

As I stated in the XXXX complaint, XXXX XXXX  and Shellpoint mortgage seems to be complicit and nefarious in their actions with consumers, with a common goal of seizing the properties of unsuspecting people. I strongly urge a full investigation into their day to day interactions with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
only transunion didnt change disputed account derogatory remark. 
letter sent from bank. 
still somebody working at transunion REFUSED to change error on my 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 non-monetary relief
Consumer complaint received 2021-08-06
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified that PHH mortgage Services would be my new servicer as of XX/XX/XXXX ( PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. ) My loan number with them is XXXX. I called PHH prior to XX/XX/XXXX to ensure that they would handle paying my township taxes out of the escrow account as they were due by XX/XX/XXXX in order to get the 2 % discount. They confirmed that they would pay the taxes out of escrow. On XX/XX/XXXX I received a delinquent unpaid tax reminder notice from my township stating that the township taxes were not paid. I then called PHH XX/XX/XXXX and spoke to XXXX to inquire about why my taxes were not paid when I was told they would be, he said they would look into it. I was told by PHH that my escrow account was only set up to pay my insurance, not taxes. On XX/XX/XXXX, I spoke to PHH again and they admitted that when I refinanced my home on XX/XX/XXXX the closing documents said escrow was to be set up to pay taxes and insurance, and that this should have carried over when PHH picked up mortgage. Finally, they said they will pay the taxes but could not promise that it would be paid by XX/XX/XXXX. I have gone back and forth with PHH since XX/XX/XXXX multiple times per week to inquire as to why my taxes have not been paid. As of early XXXX, PHH is saying that they will not pay the taxes because they are disputing a {$15.00} certified payment per year with my township. It is now XX/XX/XXXX, PHH called me today and said " the tax department left a message with XXXX XXXX and has not received a call back '' so he called with no update once again. The township taxes are still not paid and it has been 2 months since I first contacted PHH regarding this issue. About 2 weeks ago they performed an escrow analysis on my account without my knowledge and then sent me an escrow overage check in the amount of {$1900.00}, which I will have to use to pay my delinquent taxes. My XXXX school taxes are due by XX/XX/XXXX and I am concerned that they will not be paid either. PHH has not provided me with any solid updates and no progress has been made on this issue since early XXXX. I want PHH to be responsible for the 10 % late penalty and for them to reimburse me the 2 % discount. I have exhausted all of my options, emailed and called to speak to escalations managers several times and I am getting nowhere. I asked them multiple times on recorded lines to only communicate via email and they have refused, instead continuing to call me 2-3x per week with no real updates. Please advise on how to proceed because I am getting nowhere with this company and I am disgusted with their level of incompetence. Attached are relevant tax documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Account information incorrect

Complaint:
I sent the letters off on this day XXXX XXXX i told them to investigate my account, and they said they investigated it But according to the law they didnt do the proper investigation.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. 

I have previously filed XXXX formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. 

On XX/XX/XXXX at XXXX PM, in a conversation lasting XXXX minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). 

To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from XXXX months ago before they could proceed. What level of professionalism is this? Who should I return goods to after XXXX months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? XXXX! 

I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. 

Thank you. 

Sincerely

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 2022-11-16
Company: EQUIFAX, INC.
State: KS
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 identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: OH
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:
Equifax has had me send in multiple FTC reports and refuses to honor my identity theft reports. Which is why there 2 different FTC reports. I've sent certified mail 3 different times asking for these fraudulent inquires to be removed from Equifax credit profile and they will not honor my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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

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