BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: OLIPHANT FINANCIAL, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have taken a personal loan, from XXXX XXXX, on XXXX amount I have taken, is {$6000.00}. 
I continued to make monthly payments, {$250.00}, as agreed, until XX/XX/XXXX. I was unemployed ( Terminated by Employer ) since XX/XX/XXXX, and unable to make payments as agreed and continued to pay half of agreed monthly amount, {$120.00} until XX/XX/XXXX. The Creditor, has not deducted the payments, which I made from XX/XX/XXXX to XX/XX/XXXX. The Credit balance {$4800.00} has brought forward from XX/XX/XXXX to XX/XX/XXXX, without deductions and the Account has Charged Off on XX/XX/XXXX, with a balance of {$4800.00}. 
The original Creditor, had sold the account to Oliphant Financial LLC, and received the confirmation Letter dated,XXXX. 
Then I received a letter from the new Creditor, Oliphant Financial LLC, on XX/XX/XXXX, with an increased balance of {$5000.00}. There was no reason for increased amount. 
I have informed the Oliphant Financial LLC, about my Financial hardship, as a result of my 30 % XXXXXXXX, my old age of XXXX years, and unemployment situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Credit Card Receivables Fund Incorporated
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. XXXX & XXXX claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of Unifund, nor have I ever been served with a Subpoena to appear in court. Unifund hired XXXX, XXXX XXXX XXXX a debt collector, I don't know when. I'm guessing in XXXX. XXXX & XXXX say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX XXXX & XXXX have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from XXXX, XXXX XXXX XXXX. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into 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 2018-12-14
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got divorced and in the div agreement my ex wife was supposed to give me a quit claim deed signed and notarized so i can keep the home and the children in it. I had the modification completed except for the quit claim deed and the bank terminated the mod because i couldnt get my ex to agree to give me the deed. Even after they approved the mod and i paid the 3 months mortgage to complete the mod. I took her to court to make her sign it but the bank didnt care and expired my mod. So while i had her in court i reapplied for the mod and sent in an updated package. That mod expired again because she wouldnt sign the deed. I than applied for a 3rd mod and this time i had the quit claim deed signed and a completed mod package that underwriting had in there possesion. We were waiting for them to approve mod but while underwriting had mod they never cancelled sale date and thats when the house went up for auction and the bank took back ownership. We now must leave. Freedom mortgage is the reason i lost my home. They were suppose to cancel the sale date once they had the complete package. What can i do to get my home back from a bank that treated me poorly and unfair?

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 2023-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter dated XXXX XXXX ( as attached ) from Wellsfargo saying I own money to XXXX 's XXXX ending XXXX. In fact, I paid off all balances on site ( right after each purchasing by using the card. I have not used this card for years, and I have never received any card statements either via mailing or electronically for years. in the afternoon of XXXX XXXX, I visited Wellsfargo XXXX and at the branch I called the number listed in the letter - XXXX - XXXX and asked for all details but with no answers. Then I was told by a banker that 1 ) the card was closed/expired and 2 ) I paid the card {$10000.00} on XX/XX/2022. I could not find any records paying this amount, and I am attaching my XX/XX/2022 bank account statement, this account is the only payment method I can think of. And the banker asked me report this financial fraud.

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 2020-06-05
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: Information belongs to someone else

Complaint:
I have contacted Experian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Please delete these inquires XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention, that XXXXXXXX XXXX has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$910.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

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 2023-10-04
Company: PNC Bank N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to PNC MORTGAGE XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MS
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:
My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a previous complaint about missing funds. A charge was made in the amount of XXXX from XXXX XXXX on XX/XX/2019. I wasnt at the gas station that day.

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 2018-05-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
we were trying to get a loan, it never went through. so i got the reports from 2 of the credit bureaus. how can 1 experian company have accounts showing all negative and another 1. XXXX company show the exact same accounts showing all good? how does it happen? it doesn't make sense, its like you hope the business place you are trying to get a loan through uses the Correct Credit Reporting Company. This isn't right ... ... .... 
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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX, after being denied credit, I began the process of disputing information on my credit reports with information I believe to be inaccurate. TransUnion is the one and only credit reporting agency that has continually refused to start a proper investigation into my credit report, citing no less than twice they believe the letters I personally wrote stating " it didn't appear that you or a properly authorized third party sent it to us ''. These attempts to subvert investigations and neglectfully refusing to perform the required investigations within 30 days. After TransUnion 's first refusal, I immediately wrote back demanding the investigation, within the allowed 15 day extension, even though TransUnion neglectfully erred in their original decision. Next TransUnion stated they " were unable to determine the nature of my request or my request was illegible ''. But as clearly stated in my typed letter, it was extremely clear exactly what I was requesting. But after that letter, which was received on XX/XX/XXXX, I next wrote multiple letters disputing the accuracy of information being reported and once again, TransUnion refused to comply with my request, citing the same information as before. After multiple attempts, TransUnion is absolutely refusing to follow the law and perform an investigation as required under the FCRA. 

TransUnion did provide myself a copy of my credit report. 

Note : I did not include a copy of my drivers license or the bill I provided to TransUnion on each available time. 

At this time I am requesting a full investigation by the Consumer Financial Protection Bureau to why TransUnion refuses to comply with the law. I am attaching every letter send to TransUnion and received by TransUnion as evidence of the lack of reasonable procedures and policies in place to fulfill their obligations under the law. And I am demanding action to be taken against TransUnion for their repeated violations under the FCRA. 

TransUnion shall look to settle these illegal actions immediately, as this complaint goes further than simply TransUnion trying to bypass the law and investigate these as a dispute, I am looking for TransUnion 's settlement offers. 

Furthermore, during TransUnion 's investigation, all information, up to and including, but not limited to documentation and their sources must be provided to myself in writing to my mailing address.

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 2021-08-19
Company: Synovus Bank
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. 
I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

Experian : XXXXXXXX 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 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 2022-06-18
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Love, Beal & Nixon got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. LB & N claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX.XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of XXXX, nor have I ever been served with a Subpoena to appear in court. XXXX hired Love, Beal & Nixon a debt collector, I don't know when. I'm guessing in XXXX. LB & N say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX LB & N have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from Love, Beal & Nixon. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.

Company response to consumer: Closed with explanation