BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MEDICREDIT, INC XXXX ATTETION TO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/19 Yo ur company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICREDIT, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation. I also have multiple inquiries on my credit report that were not made by me. They were made by another person who gained access to my personal information by a man named XXXX XXXX who is currently being investigated by the CFPB for fraud. I had two accounts that were attempted to be opened by this person or his company. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts/inquiries that are incorrect on my report. 

XXXXXXXX XXXX  ACCT # - XXXX XX/XX/XXXX and XXXX XXXX  15 U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

2 payments were made each of those months and I want them updated to positive. I have included a payment history from XXXX XXXX  itself XXXX XXXX ACCT # - XXXX I have filed multiple entries with the CFPB about this company and their incorrect reporting which you should be abke t see. They stated in the response that they were at fault and that they would have the account corrected. It has not been corrected and continues to report incorrect late payments. This account needs to be removed completely as the reporting is never updated correctly and a lawsuit will follow on this as well to Transunion. Transunion refuses to investigate further with their stall letters. It has been past 30 days since my last dispute has been filed. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/XXXX. Nothing has been investigated. Per the FCRA the account needs to be removed. I want this account removed immediately. 

Inquiries for the following were not made by me and are fraudulent and I would like them removed. Transunion fails to investigate. 

XXXX XXXX XXXX XXXX XX/XX/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 2022-04-14
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being contacted by Transworld Systems Inc. XXXX repeatedly for a debt I do not owe and I have no relation to the person in question. On their Latest call on XX/XX/23 at XXXX the person contacting me refused to disclose the following ..... 

1 ) The name of her company.

2 ) Her name 3 ) Her operator number 4 ) The nature of the phone call.

5 ) Their agents name for service.

She also refused to transfer me to her supervisor. All she would give me is a name of a person she was looking for whom I did not know or have any relations to them. I informed her that she was in violation of the Fair Debt Collections Practices Act and to stop contacting me. I have received repeated calls by different people at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me erroneous 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 2023-01-21
Company: EQUIFAX, 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 status incorrect

Complaint:
I CLOSED my XXXX Bank credit card ending in XXXX but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each day the willful violation remain until permanently corrected. Permanent deletion of my account is demanded as my account is NOT XXXX XXXX Compliant. At a minimum, my account must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
They charged me way too much for a used car loan. They charged me a very high interest rate. The put negative remarks on my credit, they charged me way too much in late fees, when I traded the car in they gave very little money. They over charged me for everything they really ripped me off

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 2020-12-20
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-04-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I ask Equifax, XXXX  and XXXX  60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
An e-transfer deposit was made of {$1000.00} XXXX on XX/XX/2021 from a business bank account. Deposit was then rejected, understandably, as a result of name of my bank account not matching name of my crypto.com account. Email was received XX/XX/XXXX, notifying me that that they require additional information so they could refund the money. Information was provided XX/XX/XXXX. XX/XX/XXXX, I followed up as still had not received the money back, nor any update. That day, I received an e-transfer email from Fortis, name of the crypto.com bank account I assume, for {$1000.00} to my business accounts email. Upon trying to deposit it by answering security question that was provided, my answer was incorrect to many times and now it is no longer available for deposit. No answer for the question was sent to me, I was left to guess the answer. I reached out immediately to XXXX at crypto.com immediately to just cancel and resend e-transfer, and this time provide answer to security question. XX/XX/XXXX a response came from XXXX at crypto.com asking for additional information, 'a selfie with today 's date, your name and " Crypto.com '' written down on a piece of paper in order to authenticate you as the account holder before provide any account information, which I did very same day, XX/XX/XXXX. Few more emails were sent over next few days following up with this, with the same response, 'it should be checked with the 'relevant team ', the last one now coming as of XX/XX/XXXX, from XXXX at crypto.com. Almost 3 weeks to resolve this matter, and no idea on when will receive my money back. This is considering stealing in any country. This complaint is in reference to Ticket # 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 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2019-07-16
Company: Rocky Mountain Capital Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call today on XX/XX/2019 by a person who would not identify themselves claiming they were serving me for " check fraud '' on behalf of XXXX XXXX, the number was XXXX XXXX XXXX XXXX XXXX. The person on the phone said he was a lawyer, and I explained that i am currently jobless, and was hung up on. Then they proceeded to call my family members, specifically my mother and threaten them with aiding in " check fraud '' via voicemail, giving out personal information without confirming that the number they had called was my mother. I called them back, an a woman answered as Rocky Mountain Capital Management, upon giving her my name she claimed they were a legal organization or law office and then consistently refused to give me the name or information of their organization. I asked for written correspondence and they denied. When i offered solutions they said " tell it to a judge '' and hung up on me. After i reached out to XXXX XXXX directly and they said my debt had been sold to XXXX Rocky Mountain capital management support@rockymountaincapitalmgt.com rockymountaincapitalmgt.com

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-12
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Received bank letters and opened them to find out that I  supposedly XXXX opened account and I owe overdraft fees. I have never opened account with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX we purchased several items from XXXX. XXXX. The total was {$5400.00}. The agreement made at the time of the purchase was that a portion of the purchase, {$2200.00}, was payable without interest over a period of 24 months. This calculates to {$93.00} per month. The remainder of the purchase, {$3100.00}, was payable without interest for a period of 36 months. This would calculate to $ {$88.00} per month. I have the receipt that states this information. 
From the above information, it would seem that I owed {$180.00} for the first 24 months and {$88.00} for the remaining 12 months. 
I began to receive bills from Synchrony Bank located in XXXX, FL, for the total amount of the purchase, {$5400.00}. These invoices began in XXXX of XXXX. 
For the first XXXX months I paid only $ XXXX month. I also attached a letter explaining that I was not responsible for the entire amount immediately. I feel the amount I paid, {$150.00}, was in error. I should have paid {$180.00}. 
Starting in XXXX I began to pay {$180.00} each month. 
In the statements from the bank there were financial penalties added to the account. 
Starting in XXXX of XXXX, 24 months after my original purchase, I reduced my monthly payment to {$88.00}. 
Through the XX/XX/XXXX payment I have paid {$4300.00}. This should result in a remaining balance of {$1000.00}. However, in my latest statement from the bank the remaining balance is {$2100.00} In XXXX of XXXX I met with XXXX. XXXX XXXX XXXX XXXX regarding this matter. He agreed that the terms of payment were as I outlined in point XXXX above, but was otherwise not helpful. 
In XXXX, XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, and explained this to him. He said that he would call XXXX. XXXX and ask their bank to acknowledge the original agreement. 
* At the time of the last statement from Synchrony Bank, I had paid {$4500.00}, with a remaining balance of {$890.00}. 
* Per the statement from the bank, the balance is {$2000.00} and I have a " XXXX XXXX '' amount of {$130.00}. 
Please understand that there have been numerous letters accompanying my monthly bank payments, but seemingly with no concrete results. 
I have also spoken with a representative from the bank, and that person dismissed my concerns without any explanation. 
Also understand that I keep very thorough notes and files and could supply anyone asking with a written history of this matter.

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 2020-03-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I've sent three credit report disputes to Experian, XXXX  and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

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