BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  XXXX XXXX is a debt collector in pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. XXXX  XXXX XXXX has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX  XXXX XXXX has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX I submitted 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 im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-11-04
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Payment History Youve made 100 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account. Remarks No Info Times 30/60/90 days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2022-08-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2021-11-09
Company: EQUIFAX, INC.
State: NV
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 filed Bankruptcy in 2017 and my three XXXX accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however Equifax on all three XXXX accounts are reporting balances in error. This is causing a 80 point drop in my Equifax score and I need the balances updated to show {$0.00} owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX, I attempted to make an online mortgage payment with Wells Fargo. I was unable to make the payment and got an error message saying NO PAYMENT REQUIRED DUE TO PANDEMIC COVID-19 FOR THE NEXT 3 MONTHS. There was no way to bypass this to make the payment so I called into customer service. The rep told me there was a request to suspend payments, and I advised that I had no need to suspend payments and I never requested a forbearance. He apologized, removed it from my account, and I set up a payment with him. 

I didn't think much about it, until XX/XX/XXXX when I actually needed to do the forbearance. I called into customer service and got a 3 month forbearance. However, when I got my confirmation paperwork in the mail, imagine my surprise when it stated that this was my 2ND 3 MONTH FORBEARANCE! I immediately called in, disputing this, saying that I had never missed a payment and never requested a previous forbearance. 

This issue has been escalated at least 3 times during the process, with everyone telling me that my call into customer service was to REMOVE A REQUESTED FORBEARANCE, when in all actuality, the call was made because I was unable to make my regular monthly payment No one can give me proof that I requested the original forbearance. The forbearance that I am in now, I got a ton of paperwork confirming the forbearance and what happens next. I never got anything like that with the " 1st forbearance. '' So now that I actually need the help, I am getting shorted 3 months in error. To be clear, I never missed a payment on my mortgage. But with shorting me 3 months in error, on the off chance that I actually NEED that extra time, I could end up in foreclosure based on that error! 

I have asked for confirmation or proof that I enrolled in the forbearance, and all I'm being told is that it was put on my account on XX/XX/XXXX and I called in requesting removal on XX/XX/XXXX ( which is the date I called because the online would not take my payment ). 

I definitely need assistance with this issue.

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 2023-04-13
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX do not owe this company any money. I dont have a signed contract with this company. I understand this company is a debt buyer of debt. But I do not owe them money. If we go to court I would win as judge would see I dont have a contract with this company. I request this company to delete all negative information off my credit report per fcra laws. If not Ill have to file suit in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ALLY FINANCIAL INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent charges have been occuring in my Ally Bank checking account. I've been reading on XXXX that other like me have been receiving fraudulent charges as well in recent days, and I think that it's due to a possible leak of PII data. 

I personally was only given a pending charge of XXXX to a XXXX XXXX XXXX  XXXX, before I locked my card and reported it stolen. Others online have said that they have had multiple charges ranging from XXXX dollar to about XXXX end up getting made on their accounts, essentially rendering their debit cards useless. 

Ally has not done anything since I have been unable to get a hold of XXXX. But they also haven't publicly said anything as of yet either.

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 2016-09-08
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-10-01
Company: Zions Debt Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text message from Zion Debt Collections on XX/XX/XXXX without any prior communication or authorization to contact via text message. I have included screenshots of the communications as they do not include the required disclosures and no written notice was sent or received in the required notification period. I reached out via their website to request verification of the debt on XX/XX/XXXX and advised that I disputed the debt and requested the following list of documents. 
1. Verification of the Debt : a detailed breakdown of the amount owed, including the principal sum, any fees, interest, and other related charges.

2. Original Credit Agreement 3. Billing Statements : All billing statements or invoices that document the progression of the debt from its origination to its current status. 
4. Payment History : A complete record of all payments made towards the debt, including dates and amounts.

5. Assignment or Transfer Documents : documentation that verifies the legal right to collect the debt.

6. License Information : License number showing they are licensed to collect debt in my state. 
The agency acknowledge the website request on XX/XX/XXXX. XXXX XXXX, rep for Zion Debt Holdings responded via email on XX/XX/XXXX but did not provide all of the requested documents. I advised the agency that I closed the my account with XXXX XXXX XXXX when I sold my home in XX/XX/XXXX and that during closing I spoke with a XXXX customer service rep ( XXXXCa n't remember his last name ) who assured me the account was closed and the system would be transferred to the new property owners. The verification statement that was provided shows a balance of {$950.00} while the payment history provided shows {$360.00} as the past due balance. In addition to this the contract with XXXX provided was amended in XXXX of XXXX to remove XXXX XXXX from the contract as recognized by XXXX XXXX XXXX XXXX. The agency failed to provide copies of the respective billing statements or any agency license information for verification. I followed-up via email and advised of the discrepancies and repeated that I dispute the debt. The agency reported the debt to the credit bureau 's without adequately validating the information and providing appropriate notice. I have attached the all correspondence received for reference. At not time has the agency provided any of the legally required communications or disclosures and the balances provided can not be validated with the information provided. I have asked that any further communication be via USPS which has also been disregarded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am a military veteran who was disrespected and belittled by a female debt collector with whom I spoke with about my car note payment. At the time I was in a financial bind due to the woes of the oil & gas industry along with the threat of COVID-19. Although my vehicle was repossessed I still continue to get harassing phone calls from Global Lending LLC ; of South Carolina in regards to paying the debt. Im not employed because of the current pandemic which is very much stressful as is and unable to provide for my family on a normal basis. Im seeking your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. Please repair this account ASAP.

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 2020-09-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a HAMP loan modification mortgage with PHH ( owned by Ocwen ) but PHH has a division called XXXX that services the modification. 

In XXXX I opted to accept a recast offer. All was in order and I kept a copy of all documents I signed. 


My recast offer, approved and executed states I owe {$730.00} on XX/XX/XXXX Then {$780.00} XX/XX/XXXX on until maturity. 


However I received a letter dated XX/XX/2020 from XXXX Which states I owe {$860.00} XX/XX/XXXX Then and {$590.00} XX/XX/XXXX until maturity. 

This company continually makes gross errors in administration that appear to misinform the customers creating mass confusion and creating an unfathomable capacity to send in the WRONG amount, consequently resulting in default and foreclosure - loss of home by owner. 

PLEASE peruse documents attached and take whatever steps necessary for bank to provide ACCURATE UNDERSTANDABLE MORTGAGE DOCUMENTS THAT WILL NOT CONFUSE AND CREATE A SITUATION WHERE THE AMOUNT OWED IS SO AMBIGUOUS AND DIFFERENT ON DIFFERENT DOCUMENTS SO THE WRONG MORTGAGE PAYMENT AMOUNT MIGHT BE SENT! 

Furthermore although A name was provided of a person to contact there was no DIRECT email or DIRECT phone number to reach this person. Hence one spends hours trying to reach them only to be told call a number that is routed to XXXX or the XXXX where the customer service agents do not help but tell you they do not work for XXXX and can not connect you! 


It is absolutely criminal the way customers are COERCED into a wild goose chase to follow up with no contact made and no resolution able to come to fruition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trans Union credit agency has been flagging my purchases and credit applications with FALSE fraud alerts since 2022. I have repeatedly been embarrassed by declined transactions while making purchases with my own credit card, in my own zip code, in stores I visit regularly, for as little as {$99.00}. This, despite having a FICO score of XXXX and a number of open accounts, a mortgage, paid-off vehicles and no late or derogatory payment data. 
I have asked Trans Union to REMOVE the fraud alert from my credit file. They have NOT successfully identified an actual fraudulent transaction or credit application. They have interfered in my shopping, purchasing, travel and gift-giving with false positive flags. 
My rights as a consumer and credit customer include the right to transact business without interference or undue embarrassment. XXXX, a digital fraud prevention company, reported a cost of {$2.00} XXXX for e-commerce merchants in the USA alone due to false positives. False positives erode customer trust and adversely impact reputational image when a legitimate sale is lost. 
Allowing consumers to initiate a fraud alert should not prevent that legitimate purchaser from doing business as usual. Unless and until Trans Union adopts a more accurate and complete verification protocol, I will be adding statements like these to my credit file and posting online in financial, news and security forums about the unreasonable inconvenience and interference this agency is forcing on legitimate consumers.

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 2023-06-06
Company: Midwest Resale Specialist, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a phone call on XX/XX/2023 to Midwest Resale Specialis inquiring about debt placed on my account. The amount owed was {$870.00}. I asked them to verify the debt because I never signed any personal guarantee. I called again on XX/XX/2023 for verification and never received a response. Consequentially, this highly impacted my credit score and complicates future purchases. The company has called me from various numbers on numerous occasions without verifying the specific amount or reason for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have it removed off my XXXX report I want it off the rest report, they have harassed me with phone calls constantly every day and night I even tried to settle 3 times one day they refused it every time,

Company response to consumer: Closed with explanation