BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
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:
There are erroneous inquiries that I did not authorize on my Transunion credit report. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report to Transunion and they still have not removed the inquiries. 

I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was that a dispute process had to be followed. 

I did all this previously and no action was taken by Transunion to delete the inquiries. File # XXXX in XXXX of 2019. 
A police report was filed, a fraud alert place on my credit report, and a case created with Transunion. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. 

According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. 


Thank you

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 2023-08-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.

Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. 

It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. 

I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. 

Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/2023 Status Collection account. {$880.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$880.00} Balance updated XX/XX/2023 Historical info Original creditor XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.

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 2023-04-07
Company: EQUIFAX, INC.
State: HI
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a call from debt collect for an Account for XXXX XXXX XXXX for dates XXXXXXXX XXXX for amount of XXXX. I do not claim this debt or have any recognition. The representative do believe XXXX a victim of fraud. There was XXXX numbers listed on the bill and I dont know who numbers they are. They Instructed me to go to this consumer address and make a complaint. They will send me a letter to fill out and return to XXXX to get this handle. They gave me reference # XXXX and return address as XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX I also told them they can contact XXXX XXXX XXXX XXXX XXXX  if they thought this was previously on my credit report and they can coordinate with them as well.

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 2023-04-07
Company: Nelnet, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE- XXXX XXXX To whom it may concern, I am horrified of SPS , and here is why : In or around XXXX XXXX SPS allegedly bought our loan from XXXX on or around XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX stating that my loan was in foreclosure SPS had my loan for less than 20 days prior to sending my loan to the foreclosure department I filed a complaint against the servicer with CPFB and also highlighted the fact that they never gave us a welcome letter, a mortgage coupon nor did they offer any alternative programs as required by law Within their response SPS stated that XXXX XXXX was hired by the previous servicer and they stopped a foreclosure that was never supposed to take place ( PLEASE SEE ATTACHED ) Unbeknownst to me SPS sent documents through the CPFB portal and never mailed said documents to my house SPS also stated that the reason that they did not offer any alternative programs is because they do not have a phone number when in fact I have had the same landline for over 20 years As I reviewed the documents I noticed that the payment history/accounting details they provided were only for the fiscal years of XXXX-present SPS to the best of my knowledge based off the documents sent have no accounting history or details from XXXX to XXXX. So how do they feel the accounting is proper when 6 years of details regarding my account are undocumented or missing from accounting. 
SPS also cancelled my homeowners insurance and told my insurance rep that the house was foreclosed on in XXXX ( PLEASE SEE ATTACHED ) when in fact a foreclosure never took place in XXXX or XXXX I also became aware as of yesterday that XXXX XXXX XXXX XXXX XXXX XXXX does not own my loan XXXX XXXX XXXX owns my loan however XXXX XXXX is advertising that the XXXX XXXX XXXX XXXX XXXX owns the loan Please also note that the mailing address on file is an unauthorized mailing address and was taken off my mailing list over 2 years ago SPS and XXXX XXXX, have not followed the laws regarding accounting, the fair debt collections practices act, privacy act, GA foreclosure codes rules & procedure HAMP, RESPA, XXXX and I am sure many other state and federal laws Lastly in XXXX we were involved in a Class Action Law Suit which stated that XXXX did not have any relationship with me to offer a loan modification pull my credit and or attempt to foreclose SPS is not a listed creditor on my credit profile as a mortgage servicer and shortly after the class action notice XXXX stop reporting to my credit report as well.

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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was buying tickets for XXXX on XXXX XXXX.. but because of where the seller was located, I needed 2 day shipping which XXXX does not support ... ..so the seller asked me if using XXXX  would be okay ... .I said absolutely and he was very communictive all daywith me... we decided to use XXXX as I bank with Chase ... .at the same time that we were texting, I called my bank and asked themabout the person that I was sending the money to... they specifi cally told me that as long as they are " registered & verifi ed '' with XXXXthat it should be okay, I asked if I would be covered in case something happened, they responded yes s long as the recipient was, again " registered & verifi ed '' ... so I purchased the tickets and asked for the XXXX  tracking number once he told me that my ticketshad been shipped... .then nothing ... .I tried to use the XXXX  tracking number but it was not in the system... .I went to my local XXXXoffi ce and they told me that I had to call XXXX  Customer Service... .I had been for two ( 2 ) hrs previous to going to XXXX inperson ... .anyway the registered person on XXXX was XXXX XXXX ( XXXX ) the amount of the transaction was {$430.00} on XX/XX/XXXX ... .I was supposed to receive the tickets today... .I did text the seller several times with no luck ... then heresponded that his daughter had been bitten by a dog & even went so far as to send me pics ( they were pretty bad ) ... .I told him thatthe tracking number wasn't working & could he please send me a copy of the XXXX  receipt ... .I heard nothing until the next morning & he apologized & told me that he would be sending it to me shortly ... .I knew he already had the money, why would he stsill becommunicating? Since yesterday, no communication & his telephone mailbox can not be reached ... .I do not know what I have to do tofi le a claim and stop this person ... since this all took place he has since been blocked by XXXX XXXX... he stated that he was in XXXX, Txbut the telephone number if for XXXX ( XXXXXXXX XXXX ) the telephone number is : XXXX ... it was perfectly legitimate to think thenhe may have bought the tickets to go to XXXX living in XXXX  it's close, and at some point moved to TX & could no longer use thetickets ... ..what can I do? The Sellers Name was : XXXX XXXX, XXXX ( or XXXX  ), TX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
so my grandparents gave me a XXXX $ gift card with vanilla gift card... when I activity it was already being used in new york and I live in Florida!!! customer service at first was helpful sending me a card dispute form that was in XXXX we are in XXXX and I still never got an update... I call to see if there was an update. the caller always seemed confused and every time they put me on hold I get hung up on I even asked to speak to a supervisor to put in a complaint they just hung up on me well they put me on hold... still never got my XXXX $ back .... 
XXXX XXXX cards were used at XXXX via XXXX XXXX $ XXXX XXXX card was used at the XXXX  XXXX XXXX XXXX card was used at XXXX  XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was searching for a vein-finder medical device online. I was happy to find the device at an affordable price at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The website looked very legitimate. I corresponded with a member of the sales team, " XXXX, '' via email for a few days about the device. I was vetting them, asking detailed questions, and requesting details of the device before I purchased. I am a very skeptical person when buying online but they complied with all my requests. They said the only way to pay was via wire transfer. On XX/XX/XXXX, I wired them {$1100.00} for the device and they responded saying they would ship my device as soon as they verified the wire. Soon after, they stopped responding to all of my emails. The phone number listed on their website was not in service. I never received the device. 

After I assumed I had been scammed ( about 5 days later ), I immediately contacted my bank ( Wells Fargo ) to report the fraud. I think this was on XX/XX/XXXX. I offered supporting documentation ( like my email correspondence, real time pictures of the device, and pictures of the invoice, etc but they denied needing it. The agent said they would contact me if they needed any additional information. Shortly after this call, I filed a report with the FBI internet crimes division about the fraud. 

Today ( XX/XX/XXXX ) I received a letter in the mail today saying Wells Fargo denied my claim because I they could not get the funds back. I am aware its difficult to get funds back from a wire transfer, but that is what having insurance is for. 

I called Wells Fargo on XX/XX/XXXX requesting to appeal the claim and they again denied the need for any of my supporting documentation, and said I could not appeal it. They weren't interested in even seeing anything. They said they have a protocol they have to follow and basically told me " too bad. '' I have been a customer for almost 20 years and have never reported a claim like this. If every aspect of the transaction seemed legitimate and it turns out being fraud, is there no protection from my financial institution? I am EXTREMELY DISAPPOINTED in how I was treated as a customer and am considering closing all of my accounts and credit cards with Wells Fargo if this can not be remedied as I feel I am no longer protected by them as a consumer.

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 2022-03-22
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
COMPLAINT ID XXXX I do not accept the response from the mortgage company regarding this complaint. They are in the wrong and should be made to remove the negative reporting off my credit report. How can they get away with this? And how am I protected by not being able to respond to their response? I reached out to them to make a payment. I told them tell me what I need to do to make a payment. they delayed and delayed while i reached out trying to find out what's going on. pleading to let me know something so that this would not happen! This is a sin that myself, as the consumer, middle class- we get screwed up the most! This one seemingly small incident has effected me horribly! And again, I did nothing wrong! I followed the rules! We are NOT protected! I reached out so I could start making my payments again. I wanted to get back on track. I identified that I did not want to have any negative impact on my credit as I had done everything I was told to do the right way, etc. and the company did wrong! How can a company get away with this!? This is not fair to the " small '' consumer! They just get to apologize for their mistakes, but are not willing to fix anything?! This has impacted my life in such a negative way, but does not harm to them whatsoever! They were WEEKS late at getting the documents out to me, they were days late with wrong information regarding the regulations. Not to mention I was told by this company, their loss mitigation " specialist '' that nothing would be reported while working on the new program/modification!? This is a disgrace to the consumer! How am I protected when they can get away with this??? It's right there in black and white! " No, you will not be reported '' " Sorry it is taking so long '' And me asking, begging, pleading for an answer so this would not happen! We consumers are NOT protected if only the company gets to respond without the consumer 's rebuttal! What an absolute disgrace. NewRez/Shellpoint mortgage should be ashamed of themselves for their practices and customer service!!! Imagine a customer saying one thing and doing another? Our lives get ruined!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Klarna AB
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with the company Klarna ( 4-way pay loans ) that I used on and off in XXXX. I realized that I had been a victim of identity theft, and there was a loan made in my name on my account that I had disputed once I received contact from a debt collection agency ( XXXX  ) regarding the unpaid loan. 

XXXX XXXX and Klarna both determined I was not responsible for the fraudulent loan, and True Accord released the account back to Klarna back in XX/XX/XXXX. It has now been A YEAR, and Klarna continuously refuses to update their systems regardless of the numerous attempts made to contact them regarding this matter so that I may continue to use my Klarna account. 

I was just told by a customer service representative yesterday, XX/XX/XXXX, that my issue was " too old '' to resolve, when that wouldn't have been the case if they had done their jobs efficiently back in XXXX of last year when XXXX released the fraudulent installment account back to them originally. 

To tell me it's " too old '' to resolve is the most disrespectful thing that could've been communicated to me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a 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 following items 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