BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXXXXXX XXXX i paid off in full - still showing in collections

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 2021-01-07
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6.XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX # XXXX has violated my rights. 

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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: PR
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:
An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX/XXXX  Inquired on XX/XX/2022 2022

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 2023-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
That theyre calling for is that thats already been charged off and they had purchased this from the dead from the company that I quite of the dead. They were not show me the proof that they are the true that holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I paid XXXX {$3300.00} plus fees to send {$3300.00} to my relatives who are XXXX XXXX  living in XXXX, to be paid out to my nephew, XXXX XXXX. When he arrived at his usual bank in XXXX XXXX XXXXXXXX to receive the money on XX/XX/XXXX, he was told that it had been received on XX/XX/XXXX. I filed a complaint with Moneygram and they opened an investigation - Case XXXX. On XXXX, they concluded that the money had indeed been picked up by XXXX. I requested that they send me copies of the signed receipt, the identity document, and photo or video of the individual receiving the remittance. They only sent me a receipt, signed by " XXXX. '' I replied that XXXX speakers always sign by surname only, so it should have read " XXXX '' and been in the XXXX alphabet. At the very least, it should have read " XXXX. '' I also translated parts of the receipt and discovered that the money was disbursed in a suburb of XXXX on the XXXX side, over XXXX miles by plane. I pointed out that this cash infusion was urgently needed since they were out of money for food and needed most of the money to renew their residency and family medical insurance in advance of an impending deadline, so XXXX certainly did not have money to travel to and from XXXX in one day. XXXX also does not speak XXXX so he lacks the ability to travel independently. Moneygram has not replied since then, nor have they supplied the rest of the evidence that they must have assembled in order to reach a conclusion on this case. This leads me to suspect that a Moneygram agent hacked into their system and obtained the transaction information and used it to receive the money himself or herself. Otherwise, Moneygram would have sent me the evidence by now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Waypoint Resource Group, LLC
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:
This account neither is or ever was an account of mine. I am requesting that I get this removed from my credit report. Clearly there was no single payment made and as a result my credit has been damaged. Your prompt attention to this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information from my profile. The items are from XXXX XXXX and they are listed in my credit report. These should not be reporting to my profile. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the FTC and I have enclosed copies of the FTC XXXX. Please delete these items as soon as possible. 

After numerous attempts to mail these disputes to Experian and to provide the the necessary documentation to them they were still not able to comply accordingly. I have taken further action and asked the CFPB to monitor this. As of recently I mailed out a dispute to Experian on XX/XX/XXXX, to date they have not started on my dispute even though it was delivered. 

Best, 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 2023-12-11
Company: Experian Information Solutions 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:
I have no knowledge of this account listed as XXXXXXXX XXXX XXXX XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.

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 2018-02-08
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2021-01-07
Company: EQUIFAX, INC.
State: AZ
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 filed a notarized identity theft affidavit to support my request. These accounts listed in my affidavit of fraudulent application do not belong to me and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Navient Solutions, LLC.
State: NC
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:
NAVIENT continues to submit accounts that are not on Mater promissory note for dates I was not in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I went online to get a loan but there was no paper work. When I went online it never gave me a fixed rate because there website went blank. Next thing I knew I was approved got a text message I made my first payment for XXXX XXXX XXXX dollars and XXXX cents I seen that my bill only went down XXXX dollars this is not what I had signed up for since there website crashed and I was unable to see what I was getting I want to know why my loan went down only XXXX dollars when I paid XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This LVNV collection opened in XX/XX/2022 with account number XXXX for {$1400.00} found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I receieved a robo call from my mortgage company today, XXXX XXXX, encouraging me to take out a home equity loan. I recieve regular mailings on this topic. I've told a telemarketer that I am not interested in this product and to take my name off of their call list. I even received a {$60.00} check from a class action law suit with this company over telemarketing calls promoting their financial products. The company is now called XXXX XXXX, aka NATIONSTAR. Please get them off my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: DISCOVER BANK
State: PR
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently notified Experian that I am a victim of identity theft. In return, Experian told me that the fraudulent discover account does belong to me. I would like for Experian to tell the method that was used to verify this fraudulent account. and when.

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 2021-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card number:XXXX Dear Wells Fargo Complaints Department XXXX On Wednesday XX/XX/XXXX, I called customer support line at XXXX and requested credit balance refunds from both of my credit cards : XXXX and XXXX XXXX. The refunds were processed and mailed on a Friday XX/XX/XXXX. On Monday XX/XX/XXXX I received a notification from usps through informed delivery that both checks would be delivered the same day. When I checked my mail I only found one check for {$220.00}, and {$610.00} check was missing. I waited two days and spoke to a XXXX who told me that they did not have any checks for me. Today ( XX/XX/XXXX ) at XXXX I called the same number and reported my check lost or stolen. The gentlemen on the phone told me he was going to put a stop payment on a check and either mail a new one or put a credit back on the account. I let him know that unless checks would be mailed with some sort of tracking I would prefer just a credit back on the account. He then told me that I could come to a Wellls Fargo Branch and request a cashiers check from the credit card balance. I arrived at XXXX XXXX and was connected with a banker XXXX XXXX. She let me know that they could not do a cashiers check and called credit cards services from a bank line. At that time the whole situation took a different turn : the agent and her supervisor ( XXXX ) were completely unhelpful. The lady accused me of lying of contacting the bank prior and XXXX refused to put a stop payment on a check or confirm that it was done, he refused to reverse any fees if I were to take a cash advance from MY OWN MONEY from the credit balance. I spent 2 hours just to get to nowhere. I do have screenshots of both mail envelopes with checks in them that I received on a Monday as a proof. I need my money back and I need it now, as a solution I am requesting either and ACH transfer to my own bank account or allowing me to a cash withdrawal of my own money without any fees. And I want to make sure that stop payment has been placed on a lost/stolen check. 
I also would like you to review my calls that were made to a call center today and all the notes. 

Thank you for your time, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I contacted midland funding llc on XX/XX/2022 then again on XX/XX/2022 they sued me for a really old debt they never contacted me to tell me they sued me or to tell me of my court date ether when i called and tried to work it out they threatened me with court on XX/XX/2022 and said they will just garnish my check and wouldn't let me make a payment unless it is was in full they refused payments on both days 2 of the conversation 's where thru there online website. They are rude and hateful and they original debt wasnt half what they charged me. the added fees of over XXXX dollars on a XXXX dollar debt i tried to request dates and times thru a credit dispute but got nothing back. I explained to them they have to contact me about court dates as well and they said they dont have to this place is terrible to deal with and treat you like dirt please help. i payed the {$1200.00} because I want to fix my credit but the amount was wrong and just plan not fair to fee me more than the amount of the original debt ....

Company response to consumer: Closed with monetary relief