BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attended XXXX XXXX XXXX during the Spring XXXX semester and took two evening classes. One class I was extremely happy with, however the second class ( interior finishing ) I was completely disappointed with the instructor and instruction and the lack thereof. I spoke to the administration regarding the instructor and the fact the not only I, but other students were unhappy about the instructor and the class. From my understanding the instructor was spoken to regarding this situation, however nothing changed regarding his behavior. After giving a chance for the level of instruction to change but hadn't, I ended up dropping the class. 

On or about XX/XX/XXXX I received a notice from XXXX stating that I owed {$4100.00} in tuition for the class that I had dropped. I spoke with XXXX XXXX in the Business Office and informed her that I had dropped the class due to the lack of XXXX not providing a competent instructor for the course and that I would not be paying the tuition amount because of this. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX to inquire about this issue. After getting off the phone with XXXX it was my understanding that XXXX would not seek to collect the tuition. However on or about XX/XX/XXXX I received a second notice, which I thought perhaps was an oversite on XXXX XXXX part. However on or about XX/XX/XXXX I received a " Final Notice '' from XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX. and spoke to a XXXX in the Business Office and advised her that I had sent a letter to XXXX dated XX/XX/XXXX and to delay any further collection activities. 

On XX/XX/XXXX I received a letter from XXXX XXXX law firm, XXXX XXXX XXXX, seeking to collect the debt. According to their letter I had 30 days to dispute the debt in writing and they would provide me with verification of the debt, which I did. After my letter I never received any further correspondence or verification of the the debt. I assumed that matter had been dropped. 

On or about XX/XX/XXXX I received a collection notice from Conserve regarding the alleged debt from XXXX. I called XXXX once again and spoke with XXXX XXXX and she inform me that I would have to speak to a XXXX XXXX the VP of Finance. I asked that she have him call me. I never received a call. As per the letter from XXXX, I had 30 days to dispute the debt, which I did via mail on XX/XX/XXXX. I never received a call or any correspondence from Conserve. 

On XX/XX/XXXX I received an email from XXXX Identity works which reported that Conserve reported their collection activity to the credit bureau which has damaged my credit rating which I have been trying to rebuild over the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: ENCORE CAPITAL GROUP INC.
State: NE
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:
Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor. 

Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing. 

Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST. 

Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations.

The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law. 

This company needs to be stopped or held liable in a court of law. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
PennyMac USA Loans Loan # XXXX I have tried calling PennyMac and can never get through and only hold to wait for a representative to answer for over 43 minutes each time, total 1 hour 33 minutes. I have received conflicting statements regarding my escrow payments and total payment and total payoff. 
1. PennyMac continues to pay from my escrow account PMI for XX/XX/XXXX, XXXX XXXX scheduled to pay PMI on XX/XX/XXXX and the loan was closed XX/XX/XXXX and paid in full XX/XX/XXXX ; see attached documentation. 
2. The loan payoff amount was paid in full from XXXX firm and this did not include monies from our suspense fund. See attached documentation 3. I called XXXX  XXXX XXXX XXXX and was told an insurance check refund of {$330.00} was mailed BACK to PennyMac who will send us the {$330.00} check. But I have not received a check for that amount. The only check I received was {$2.00} ; see attachment. 
4. PennyMac continues to falsify information and documentation in an attempt to keep monies owed back to us. See documentation. 
5. The respondents own response to the previous complaint Dated ( XXXX ) XXXX conflicts the new documentation I have attached. 
Please help us recover All monies due back and keep PennyMac from harming us financially. Your attention is greatly appreciated. 
Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Took so long to verify my identity with drivers license. Tried to delete account to make a new one, found out that it wasnt permanently deleted and that I would need to contact them to reopen it. Did so and havent received an adequate response for a while. I only received an automated email. This needs sorting as there is money sat in an account that I cant shift unless I get my account opened and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$0.00}

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 2023-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to give you my opinion after 2+ years of experience in contact with Wells Fargo Customer service about the same issue that never resolved yet.

This complaint is about THE WELLS FARGO CUSTOMER SERVICE.

I was told in writing buy Wells Fargo So calle
d ECMO ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. 
Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) which IS NOT Wells Fargo Bank, to answer the complaints of the customers without any supervision or management by Wells Fargo.

The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer 's information, anyone who has access to their homes will have access to their computers and then will have access to our accounts.

Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolution, all thy can do is copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it.

Those ECMOs makes it more interesting when they send you an answer for someone else 's complaint or when they sound drunk or sleepy in their answers. And I do not thing a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers.

DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE 'S RESIDENTS ALL OVER THE WORLD? 
What do you expect from this bank who does not even have an email address for their customer service in this 21th Century!

Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt

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 2022-08-27
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:
Submitted a dispute for all three-credit bureaus to investigate the inaccurate accounts on my credit files they all were given 30 days to do a proper investigation, all 3 bureaus took 60 days ' plus, I had the XXXX Credit bureau use the excuse that we were in Litigation, which was a total stall tactic, the other Two bureau 's stated that the accounts have been verified without send me any supporting documentation as requested. 

The following accounts need to be deleted from my credit files : 1.XXXX XXXX  XXXX 0042****payment history not 100 % accurate. 
2.XXXX  XXXX # XXXX payment history not 100 % accurate. 
3.XXXX  XXXX # XXXXpayment history not 100 % accurate. Two different account numbers. 
4.XXXX XXXX XXXX XXXXXXXXpayment history not 100 % accurate. 
XXXX. XXXX  XXXX # XXXX*Dockett # XXXX Different dates and no proof provided after supposed verification these have been deleted from Equifax. 
7. XXXX XXXX # XXXX This account only remains on XXXX the account is over 7 years old and has a inaccurate payment history also is a charge- off with a balance and stil a open account reporting this account is not 100 % accurate. 
8.XXXX XXXX XXXX XXXXXXXX the payment history is not 100 % accurate, also this is a charge off account reporting as still open with two different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: MN
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:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion is in violation of multiple FCRA laws. I am attaching proof of violation in the contents of this letter as well. 
1.Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2.Fact, I am sure the removal of information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; 3.Fact, the Fair Debt Collection Practices Act states the Permissible purposes of consumer reports and an unauthorized inquiries. You are report unauthorized inquiries to my credit report to avoid running a risk of fraud I demand removal, so be it, and ; 4.Fact, the Fair Debt Collection Practices Act states I have right to dispute inaccurate information, I demand all inaccurate misspelled names, address, and inaccurate accounts be remove immediately, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your in order avoid me receiving further injury, damages, mental anguish, reputation, and losses due to me being a victim of identity theft, so be it, and;

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 2021-01-04
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo ( WF ) reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. Wells Fargo in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.

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 2022-07-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please verified and update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$56.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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