BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX  XXXX Account # ( XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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 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 2021-06-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Midland Credit Management has used scare tactics and left numerous phone messages and texts stating " I have only one hour to respond ... Legal action was in force,,, possible jail time ... taking of personal property '' messages like this on a daily basis. I am also due a court date XX/XX/XXXX via XXXX. but I only live on social security check, unable to work, health issues, dont even have a car. They have scared me thinking they are coming to my house to scare me or hurt me. I am in fear. I am a senior citizen at XXXX and have health problems and financial indigent. The phone numbers they call and text and leave messages are : XXXX, XXXX, XXXX. XXXX, XXXX. I have called for free legal aid for assistance. But the harassments continues no matter what I do. I am in fear over {$1800.00} debt. Midland credit management has made me lose sleep and XXXX and scared to go outside in fear of someone hurting me. This is a crazy world now and I do not know what people are capable of. I block the numbers but they find other numbers to call and the phone is actually my son 's phone that he is letting me use. Its not even my phone. What can I do to stop this series of scare tactics that are actually causing me more physical and emotional distress over {$1800.00} that I cant pay, and dont have any personal assets or job and health issues are even more because of this harassment. Please Help Me! 
Sincere Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on and a balance of {$6200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage company " lost '' proof of my Home Owner 's Insurance. Carrington enrolled me, without my consent, into their own very expensive Home Owner 's Insurance and rolled the fees ( XXXX $ a month ) from that into my mortgage. They did so without notifying me. They have made it extremepy difficult to fix the solution. All responsibility has fallen on me to provide proof of my insurance, which I did, several times, and they continued to be unable to locate the email and fax. Then after an hiur and six minutes on the phone they located the fax. They kept my mortgage payment in " limbo '', threatened to apply it to other fees, and forced me to pay the extra XXXX $ even though they have proof of my insurance. They said it moggt not be fixed by next payment due date and I will have to pay an extra XXXX $ again until the refund department can get it sorted. This whole process has been very difficult and frustrating. I was constantly placed on hold and shuffled around. I have XXXX 's home owners insurance. It took me 5 minutes to get the paperwork Carrington needed from them. I can't imagine technologically challenged folks or elderly folks being able to " work '' with Carrington to get this problem fixed. I was polite and patient with everyone I spoke with. They took XXXX from me for my payment. Put it into limbo because it didnt include the new XXXX $ and then they tried to make me pay XXXX ( on top of the XXXX already paid. ) XXXX is my normal monthly payment. I have never missed a payment, and there has never been a gap in my insurance. This is a deceptive practice and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Northeast Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX 2015, WEDNESDAY XXXX TRANSCRIPOT OF CALL FROM NRS `` THIS MESSAGE IS A CONFIDENTIAL MESSAGE CONCERNING XXXX XXXX XXXX XXXX. 
XXXX XXXX CONTACT THE OFFICES OF NRS GROUP CURRENTLY WE HAVE DOCUMENTS THAT HAVE BEEN FORWARDED TO OUR OFFICE ATTACHED TO YOUR FULL NAME AND SOCIAL SECURITY NUMBER. XXXX XXXX THEY 'RE NAMING YOU AS A RESPONDANT CASE FILE NUMBER IS XXXX. 
OUR FIRM IS PRIVY TO TALK TO YOURSELF OR ANY LEGAL REPRESENTATION CONCERNING THIS MATTER BEFORE THE CLOSE OF BUSINESS XXXX XXXX THIS XXXX. CONTACT OUR OFFICE AT XXXX. 
OUR FIRM 'S BEEN RETAINED TO CONDUCT AN ASSET SEARCH. WE WILL BE VERIFYING WAGES, INCOME, EMPLOYMENT AND PROPERTY. 
WE 'D LIKE TO AFFORD YOU THE OPPORTUNITY TO CONTACT THIS OFFICE SO THAT YOU CAN DISCUSS VOLUNTARY RESOLVE. IN DOING SO WE NEED TO SPEAK WITH EITHER YOURSELF OR YOUR ATTORNEY NO LATER THAN XXXX PMXXXX ''

Company response to consumer: Untimely response
Consumer complaint received 2017-03-14
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX I fell victim to a XXXX scam. The scammer was posing as a Wells Fargo fraud prevention representative and contacted me regarding suspicious charges on my account. My wife 's credit card had been recently compromised and so I was inclined to believe the scammer since we had just gone through this with her card. After verifying my account information, he gained access to my online banking account and the scammer performed a Cash Advance from my credit card to my checking account in the amount of {$580.00}. The scammer then set up a XXXX money transfer from my WF checking account in the amount of {$2100.00} ( the entire balance of my checking account now with the Cash Advance ). After the payment went through he hung up the phone and I realized I had fell victim to a scam. 

I immediately called Wells Fargo and spoke to three representatives who wrote down the incident and filed claims on my behalf. 

On XX/XX/XXXX, I received two letters in the mail regarding my claims. The first letter said that the Cash Advance could not be reversed as there were insufficient funds in my account ( obviously since they were all stolen ) and that I was obligated to pay the amount off on my credit card with my own funds ( which I don't have ). 
The second letter I received was regarding the {$2100.00} XXXX transfer and Wells Fargo states that they will not reimburse me for the stolen funds as I " approved '' the XXXX transfer and it was conducted properly. 
Wells Fargo stated in the letters that the claims have been closed and resolved but I feel like I have been scammed twice now.

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 2023-02-24
Company: Atlanticus Services Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva received a payment request for them to direct debit my XXXX XXXX XXXX account for {$500.00} to pay my credit card bill payment. Instead they refused to allow the payment to be processed and decided to block me from making payments on the account # XXXX.I was told to call them to verify any form of payment and when I called they were illegally asking for my payment card number and refusing to allow me to process it online. I then entered a new account number that encourages bank account payment. It says it will be processed in 24 hours. This time they ignored the payment cause the bank waited with me. They are now refusing to pay the payments intentionally denying me my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I placed an order on XXXX to purchase a sneaker named XXXX XXXX XXXX XXXX XXXX Reverse Mocha size XXXX. On XX/XX/XXXX, I have received a XXXX tracking saying my order had been delivered with my name signed. Obviously, I DID NOT sign for anything that day because I did asked my household members and my neighbors and they said they did not sign for anything. So, I lost {$1300.00} and received nothing. I decided to dispute to Chase Credit XXXX on XX/XX/XXXX and explained my situation and they credited me temporary. Today, I received the letter from Chase saying that they decided to reverse the credit to the merchant and told me that the delivery statement was valid. Right now, I want to challenge that decision and I want CFPB to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My phone number was fraudulently ported out to a XXXX prepaid account. I have the account number. My email was then hacked ( XXXX ) with my phone number. Then the person logged into bitcoin after saying forgot password. Then moved all of my bitcoin over to their wallet. All of this done in under 30 minutes. Now I am out a phone number I've been using for 15 years and roughly 14,000.00. This all occurred on XX/XX/2021. I believe this is from a coinbase breach in their data. I would also want to think that XXXX needs to add more security to not allow employees to move phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX doing business as XXXX XXXX XXXX XXXX  reported a fraudulent account number of XXXX on my credit report and I did not sign nor authorize this. There is an active dispute with them since XX/XX/22 as well as a cease-and-desist letter, but they are still reporting inaccurate, unverified information while the dispute is active. I have asked for validation several times and they refused to validate their alleged claim. I asked them to show authority to collect and proof I owe a debt. They have not proved that 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 2021-12-23
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) OPENED : XXXX/XXXX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert from my credit monitoring service that a delinquent account had been posted to my XXXX credit report file. 

I pulled up my credit report and saw that Amsher Collection Services had posted a delinquent account for {$180.00}, placed for collection on XX/XX/2019, originally from XXXX XXXX. 

The debt is not mine. I have never had an account with XXXX XXXX. 

I immediately disputed the account with XXXX. One week later they claimed they investigated it and validated it as accurate. 

Then on XX/XX/XXXX I mailed a Debt Validation Letter to Amsher Collection, certified mail, at the address provided in the credit report. The return receipt verifies it was received XXXX am on XX/XX/XXXX in XXXX, AL XXXX. 

It has been more than 30 days now and I have received no response from Amsher, either via email or postal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and Experian and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

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 2023-06-20
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an online savings account with Goldman Sachs Marcus. I believe Ive had this account for 6+ years. It was previously a XXXX XXXX XXXX account that was bought by Marcus. During my time of having this account I have been able to deposit and withdrawal as well as open new accounts ( additional savings and a CD ) without issue. Last week I linked an additional outside account to my savings for transferring funds in and out. Last week ( I believe it was the XXXX ) I requested a transfer of {$20000.00} from my Marcus account to my newly linked and verified savings account at XXXX XXXX XXXX XXXX. Marcus froze my account. I had to call them to see why my transfer did not go through. They said they needed to authenticate my XXXX XXXX XXXX XXXX account so we did a three way call with both banks and myself. I was told by the Marcus customer service person that my account was not unlocked and the transfer should take place within 24hours. It did not. Marcus reversed the transfer. I called today and after speaking with three different customer service representative they said the {$20000.00} fund transfer was canceled because I didnt get back to them to authenticate my account in time. Marcus froze my account, held the transfer and authenticate and approved the transfer all on the same day. I believe it was the XXXX. I requested another transfer from Marcus to XXXX XXXX XXXX XXXX today ( the XXXX ) when I saw they reversed the other one. I called Marcus to find out why the other one was reversed and they told me what I shared above and assured me this one would go through without any issue. An hour later I get a call from Marcus telling me my account of locked and they can not unlock it because they cant verify who I am. Almost XXXX weeks ago I have no issue transferring {$1500.00} to XXXX. But now that I want to transfer a larger amount they wont let me. This is very suspicious. Im not sure if they dont have the funds to do this. When I call Marcus representatives ask for the last four of my social security number, my birth day, and my secret word. But, to unlock it thats not good enough. I now need an affidavit notarized saying I am who I am and it would take 3 days to process once they receive it. Something is wrong on their end that they will not allow me to access the larger portion of my account. I am waiting a call back from Marcus now. If they call it will be the XXXX Marcus representative Ive spoken with today. They are holding my money hostage.

Company response to consumer: Closed with explanation