BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. PROFFESIONAL PLACEMENT company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I noticed there is two collections on my credit report. The collector is Midwest recovery systems. The original debt was from XXXX XXXX XXXX XXXX. The amounts are XXXX and XXXX something. My issue is several things. First this debt is almost ten years old. And also inaccurate! 
These amounts were covered by insurance but because of a clerical mistake I was still billed. Now even though it was settled this debt keeps popping up but with a different collections company over the last couple of years. I have filed two other complaints with successfully removing them from my report. Now another company is attempting to collect the same exact debt. This company is calling my phone 40 times a day. I attempted to speak and explain this but the guy kept insisting on a payment. After making it very clear there will be no payment because the debt isnt accurate. The guy says well you will be sued!!? Well I know that even if the debt was accurate it is to old to sue. They cant do that can they? I would like the accounts removed from my report. Better than that Id appreciate an inaccurate debt to not be repeatedly sold to different recovery comp. I dont understand if the accounts are closed over and over why it keeps coming back. As always if it isnt removed and harassing phone calls dont stop I will seek litigation! These companies that repurchase these accounts should verify the accuracy of debt and probably should be some way to verify this information from the previous collections comp. they could easily show these accounts previously closed due to inaccuracies. Thankyou for your time and assistance. Sincere regards, Mr XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposit a check for {$5000.00} into my checking account to WellsFargo Bank with a bank teller. My client wrote the check under my construction company name. The check was place on hold ever since that date because the bank wanted prof that the business name belong to me. On XX/XX/2023 the XXXX XXXX Registrar-recorder/county clerk register the business name under me. On Thursday XX/XX/XXXX i visited a WellsFargo branch and spoke to a business personal. I presented the legal documents to him to submit to the proper department so my funds can be release. Everything went well and he said to follow up with the WellsFargo customer service. On Monday XX/XX/XXXX, I called to follow up and apparently the represent whom I spoke to said that the documents that were submitted were fraudulent. That statement infuriated me because the documents that were submitted are totally legit. That bank personnel in customer service didnt take the time to verify the forms and falsely accuse me of some thing totally illegal. I will attached the documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In response to a prior complaint, Shellpoint, New Rez d/b/a Shellpoint or some combination has responded that they are servicing my loan on behalf of themselves and that they are the owner of my loan when in all other responses to prior complaints, Shellpoint has held that XXXX XXXX is the owner of my loan. I would like to submit a complaint for fraud and I would respectfully request the CFPB do what it is meant to do and protect consumers. I have been trying to establish the true owner for the last FIFTEEN YEARS so that I may negotiate with the proper party and there is obvious concealment, fraud and illegal activity going on with this and many other homeowner loans as a result of XXXX XXXX XXXXXXXX instructing us the miss payments in order to qualify of r modifications. This seems like a conspiracy and all agencies and courts seem to be aiding and abetting criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Finance, I am the victim of banking fraud of Wells Fargo. 

On the morning of XX/XX/2021, I received a call with caller ID Wells Fargo, letting me know that my online bank account got unauthorized transactions and the caller will help get my money back. I believed it really was Wells Fargo. I was on the phone for a long time, going through steps, being put on hold and he promised to get all my money back. While on the phone, I checked my online banking account and showed it got blocked, I was not be able to log in. He said he will work on my case and will call me back. I trust that he was from Wells Fargo and did not get suspicious. 


Later that day I called Wells Fargo Fraud to check my account, they said they never call me. Then I knew I was a victim of banking fraud. I even went to the bank location, they said they can not help. I called Wells Fargo Fraud several times and every time they said they are working on my case. 

I received Wells Fargo letter stating that they can not reimburse and have closed my claim. I did not authorize anyone to use my account. I am a victim of banking fraud of Wells Fargo. The fraudulent transactions are covered by Regulation E, and as a consumer, I should be getting my refunds back. 

I am very XXXX. I do not know who can help me. I am old and already retired. That is all the money I have saved up. Due to the pandemic and my deteriorating health, I can not go to work. Please help open up my claim and help getting my money back.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these inquiries from my credit report as I did not authorize them. I have included the identity theft report as well. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-01-01
Company: EQUIFAX, 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment on XX/XX/2023 that was due on XX/XX/XXXX. Right now my account shows passed due payment and requests doh or payment. I have called many times but their system is down and agents keep hanging up on me without any information. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
In accordance with the fair credit reporting act, the following have violated my rights under 15usc 1681 sec. 602a ,604a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-10-15
Company: Louisiana Recovery Services Inc.
State: LA
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:
Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status

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 2022-07-07
Company: Experian Information Solutions 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:
want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2023-07-11
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2021-10-15
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that TransUnion had deleted the payment history, XXXX changed the dates, which are still inaccurate, and XXXX erased their payment history to unknown status. 

Also, between all three credit bureaus ; TransUnion, XXXX, and XXXX, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NY
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 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 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 2021-10-15
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was having problems balancing my checking acct. at XXXX XXXXXXXX XXXX. 
I went to XXXX XXXXXXXX XXXX for help. the XXXX XXXX XXXX finance audit team, investigated my checking acct. 
that investigation, resulted in GM fin. received two [ 2 ] checks from me. only posted one [ 1 ] to my acct. at GM fin. 

both of my checks were $ XXXX.the XXXX XXXX XXXXXXXX team , that found the fraudulent {$380.00} charge, advised me, not to make up for the {$380.00} they took from my checking acct. but did not post to my acct. at GM fin. 

I currently am receiving, 6 to 8 phone calls from GM fin. phone # XXXX. 
any asst. that your agency might render, would be appreciated. 

thanking you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on an income driven payment plan for my student loans for several years ( REPAYE program ). Last year ( XXXX ), while my loans were serviced with XXXX I recertified for the IDR program and the amount due for the next year was calculated at {$1000.00} to begin on XX/XX/XXXX ( XXXX until then ).  Shortly after recertification, I transferred my loans to FedLoan Servicing. I payed them {$1000.00} in XXXX, XXXX and XXXX of XXXX and {$1000.00} in XXXX. 

On XX/XX/XXXX of XXXX, FedLoan Servicing sent me a letter to notify me that they had recalculated the amount due under my payment plan and that beginning XX/XX/XXXX, the payment would be {$1000.00}. I called them in XXXX to ask why they recalculated it and for a record of what information they used to calculate the new amount. Based on my AGI and household size, there is no mathematical way to arrive at a calculated payment for the REPAYE program of {$1000.00}. I contacted them again in XXXX to ask about their progress on the information I requested. 

In XXXX I received information, but it did not explain the wrong calculation. I called them that day ( XX/XX/XXXX ) to again argue that that their calculation was incorrect. Two people confirmed that the calculation was incorrect. One did not understand why it was wrong ( and told me that it didn't really matter since it was just off by {$15.00} ) and the other gave an explanation of some sort of error by XXXX ( which does not make sense ) and FedLoan Servicing 's calculation algorithm. I was also told there wasn't a way to change the miscalculation in their system. I was instructed to go to the studentloan.gov website and recertify again so that the correct payment amount would be recalculated. 

On XX/XX/XXXX I received the results of the recertification saying that FedLoan Servicing denied the recalculation. The incorrect payment amount still stands. 

The REPAYE calculation is simple. FedLoan Servicing has calculated it incorrectly. They have admitted it is incorrect. Yet, there seems to be nothing that can easily be done to correct this problem. I will continue to work with FedLoan Servicing to get it corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company response to consumer: Closed with explanation