BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: Selip & Stylianou, LLP
State: NJ
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:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding pending legal action filed by SELIP & STYLIANOU LLP with the XXXX XXXX XXXX XXXX XXXX, in New Jersey Docket # XXXX which required a response by XX/XX/XXXX. 

Plaintiff : SELIP & STYLIANOU LLP Amount : {$3800.00} Per the Fair Debt Collection Practices Act, SELIP & STYLIANOU LLP has violated the sections below : 15 U.S. Code 1692e. False or misleading representations SELIP & STYLIANOU LLP shall not threaten to take any action that can not legally be taken or that is not intended to be taken. 

15 USC 1692g ( 5 ) ( d ) Legal Pleadings SELIP & STYLIANOU LLP has violated 15 USC 1692g ( 5 ) ( d ) by sending a Civil Action via the Superior Court of New Jersey, Docket # XXXX as initial communication. 

XX/XX/XXXX, my letter for a debt validation was received by SELIP & STYLIANOU LLP. 

As of XX/XX/XXXX XXXXELIP & STYLIANOU LLP has not responded to my debt validation request and has not complied with the FDCPA. 

During the 30 day period starting on XX/XX/XXXX, SELIP & STYLIANOU LLP is obligated to cease collection of debt instead, SELIP & STYLIANOU LLP has continued their collection activities by sending a letter on XX/XX/XXXX requesting payment for a reduced amount of {$1400.00}. 

15 USC 1692g ( b ) Disputed Debts SELIP & STYLIANOU LLP has violated 15 USC 1692g ( b ) by continuing collection activities - In numerous instances, through the means described above the Plaintiff, SELIP & STYLIANOU LLP has violated the Fair Debt Collection Practices Act and is obligated to pay {$1000.00} for violations described to the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My Mortgage/Equity was placed on Auto-Forbearance without my permission. I continued to make Interest Only Mo payments as per C.A.R.E.S FHA RULING. 

I have had 10 reveiws for relief by subornination, loss of mitigation, SRCA VET settlement, Balloon, and now a SHORT SALE. WF has ruined my Fico Score to XXXX with Usury Charges. WF tried to balloon me earlier [ 2 mos ] before my XX/XX/2019 matured date? 

Still won't release my Lien after payoff Bal=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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent in documents to report inaccurate information on my credit report. I sent in all the same documents to all 3 bureaus. I have contacted Transunion multiple times over the last 4 months. Each time I have contacted them I receive a run around. They Have told me that they haven't received any documentation which is untrue because they removed one of the accounts that were inaccurately reported. And if they removed that account that means they received all of my documentation. When I spoke to a representative in XXXX they told me they had to open up an investigation which would take 5 business days. I contacted them a week and a half later and they told me they were still investigating. Towards the end of XXXX I received documentation in the mail stating they needed my social security card to verify me. I sent that in on XX/XX/XXXX. 
I contacted them yesterday and the representative told me that there was nothing they could do and they couldn't remove any inaccurate information off of my credit report.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-06-11
Company: Experian Information Solutions Inc.
State: CO
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 called XXXX fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of transunion where someone could help 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Chase let XXXX washed checks get cashed. All of the checks were clearly shown as chemically altered and now they are telling me it will take XXXX to a year to receive my money back. the total for the checks was XXXX}. No one at chase will help with any resolution. Not in the branch, online or phone. All they can say is I don't know what to tell you. Well, I did not let the checks get cashed and I do not see how this is my responsibility. If I owed chase a penny they would find a way to take it from me. This is classic big business doing the little guy wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: UHG, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Disclaimer : I do not know the name of the company calling, only that they call from XXXX. They identify I believe as XXXX, but identified themselves to my mother as UHC and claim they are a pre-legal collection agency calling on behalf of XXXX XXXX. 


The loan was taken out in XXXX of XXXX. The company that keeps calling me has not identified themselves, only the representative named XXXX. She identified the company as a pre-legal collections agency. 

This started when the company called my mother ( a reference for the loan ) on XX/XX/XXXX and advised her that I had a debt with XXXX XXXX XXXX XXXX and I should call XXXX extension XXXX because I have attempted to defraud the company and they will take legal actions against me. I then called the company directly and advised them that as far as I know legally, they can not share specific information with my mother and that I was not going to be paying this debt. 

This company proceeded to call me over the last few weeks despite me asking them to do what they needed to do. Today, XX/XX/XXXX, they called me twice back to back. I called them back ( forgetting whose number it was ) and the woman, XXXX, who spoke to me was very defensive when I asked who was calling and why she needed my mailing address. She stated that I've talked to this office before, so I should know. When I explained I did not remember, she said " so you're saying you never spoke to us? '' I repeated, I don't know who you are - I don't remember. '' I then realized who it was and hung up. They then called me again twice more then called my brother 's phone ( also a reference ) and also told him they were calling me regarding a legal matter and I should call back as soon as possible. So I called them back and advised that this was harassment, at which point they responded that they were entitled to call me as many times as they wanted, and divulge information to whoever they wanted, because they are a pre-legal collection agency, so by law they can do that. 

I do not know the name of this company but I have the notes from my mother 's conversation with them, the voicemail recording my brother received, and a record of both missed and answered calls by them. They have not only threatened to but have actually contacted others to share information improperly. They have threatened to take legal action ( sue me, claim I attempted to defraud them ).  They have placed frequent and repetitive calls. They've used threatening language. They've kept calling even after I've told them to do whatever they need to do but to stop calling.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Experian credit reporting agency has refused to comply with the fair credit reporting policy by asking me for correct information to verify my identity which I have already sent them a copy of my state ID and poof of my address and my social security number and a police report stating that the accounts listed are the result of fraud and 12 inquiries are all fraudulent and this agency is giving me a hard time about removing this incorrect information from my report in a timely manner.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please find the attached documents. I request the bureau to launch an investigation into these accounts, as I have never been late, yet they are inaccurately reporting me as such.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2022-12-27
Company: EQUIFAX, INC.
State: LA
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 have disputed the following accounts and this company refuses to fix errors. I filed XXXX  XXXX bankruptsy in XX/XX/XXXX and was XXXX in XX/XX/XXXX. The following accounts have numerous errors that this company refuses to fix per bankruptsy law. Credit first should not have any derogatory marks, payment summary, or high balance, or credit limit listed, should say paid in bankruptsy discharge, XXXX XXXX is the same and they should state bankruptsy paid in discharge. XXXX also should not have any derogatory marks, no payment summary, and say paid in discharge with no high balance or credit limit, XXXX  XXXX XXXX should have no payment summary, high balance, credit limit, payment summary, and should be listed as paid and XXXX in bankruptsy, XXXX  should not have any high balance, credit limit, payment summary, and should be listed as paid and XXXX in XXXX  XXXX. I have contacted this company about this and they wont even investigate or fix the mistakes. If this company cant fix this issue I will be forced to contact my lawyer about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

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 XXXXXXXX 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 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 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 2022-12-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my loan during COVID to the tune of about {$10000.00}. I called FedLoan and requested that they refund my loan from XX/XX/XXXX until XX/XX/XXXX in late XXXX. I never heard back from them and I called to see what happened. They stated on XX/XX/XXXX the Department of Education approved the refund and on XX/XX/XXXX my loan was transferred and the process had to restart with XXXX. I asked FedLoan to send records of this and they said they would but they did not. I called XXXX and they said that, because my loan was paid off, it would not be in the system until XXXX. I need this money refunded because I am going back to school and my marital status will change in XXXX and that will impact my ability to get financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-19
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-08-09
Company: ERC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX flagged my account as Collections on XX/XX/2023 and my XXXX Score decreased by XXXX points with XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX It wasn't my debt so I files a dispute and was notified it was removed from my credit report : Source : XXXX XX/XX/2023 Report Number : XXXX Now, the SAME DEBT is in collections and myFICO Score has decreased by XXXX points! This time ENHANCED RECOVERY CO XXXX has flagged my account as Collections on XX/XX/2023 : ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance : {$1500.00} How many times must I work to dispute THE SAME DEBT? This is predatory collection activity, happening to a senior citizen. The debt originated with XXXX XXXX XXXX, who I think is also culpable as its happened multiple times with XXXX XXXX XXXX and my credit has been frozen. XXXX XXXX XXXX is ruining my life with these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITYWIDE HOME LOANS
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We apply for the loan with city wide home loan It was a home loan. 
Loan Officer name XXXX XXXX under writer : XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXUT XXXX We put XXXX XXXX dollar down as agreed earnest money deposit. We were told that we were approved for the loan. We paid {$450.00}, the home inspections fees, when it time to close on the house. We were waiting for das and they keep extended on time but we agree that we will be close on XX/XX/2020 as we done all of our due diligence meet all deadline provide so much document as requested, as the day to closed to no fault of us we were told that we will not be closing on the home no reason given we lost the House a swell as earnest money deposit.

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 2022-12-27
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with Equifax and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around late XXXX to XX/XX/2020. We started to apply for a home loan for a SALE BY OWNER ( FSBO ) Property. We were given the priority by seller to purchase this home up front. We initiated the process with American Pacific Mortgage, turned in all documents necessary, started escrow, started and paid for inspections, paid for septic clean up, etc Everything came downhill when the property was inspected, the report came back saying it had a 2nd home on the property, and simply right off the back was not considered a single dwelling. The company failed to package the loan properly and therefore failed to investigate the status of this property, after we asked for a second opinion, hoping to get another home loan elsewhere, our second loan officer told us that the verbiage used to describe this home was incorrect. It should have been a single dwelling with an accessory. 
All along this property qualified under the title of a single dwelling, that small house shouldnt have been an issue. 

The issue then became the down payment. They wanted us to shell out 20 % when ultimately the buyer that bought the home after us put down the minimum 3.5 % down. The excuse was that the property had 2 houses & was not considered a single dwelling BUT our second loan person told us THOSE FINDINGS were an error. This is our problem .... WHY did this company give the " proper '' loan to the current owner of the property in question with ONLY 3.5 % down?

Did they give him priority to purchase said property because he was a current customer of theirs already and was in the position to get more loans with them in the future? ( it was his second loan w/ them, and he planned to refi with them and possibly go for a 3rd home loan ). Wouldnt this behavior be considered questionable if we were as qualified as much as the current owner was? Why him and not us? We where already the chosen buyers to acquire this property, by seller, other buyer came after our loan crumbled with American Mortgage. Given the facts we know this transaction has more of a fraudulent tone than just an error this deserves an explanation of what REALLY transpired American Mortgage can only answer to this.

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