BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with XXXX XXXX for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. 

I have been paying consistently on this loan and expected that it would be satisfied in XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XXXX. 

At the time of the loan origination XXXX XXXX had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. 

I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. 

OnXX/XX/XXXX I had a conference call with both XXXX XXXX and XXXX XXXX. The person from XXXX said that their process was to have the borrower do an automated phone call to set up the loan schedule and that confirming documentation would have been sent. I do not remember any such call. It is my contention that they set up my loan schedule without consulting me because I never would have approved something that only saved one year off of my mortgage. This same person indicated that he was sending the same package of documents to me so that I could review them. I never received any documents which is further proof for my claim. 

Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. 

CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive AdsXX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX. and XXXX XXXX XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} million in fees to consumers and pay a {$5.00} million civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. 
Deceptive advertising has no place in the financial marketplace, said CFPB Director XXXX XXXX.  Todays action is delivering relief for consumers deceived by XXXX  and XXXX, and sending a clear message that these practices will not be tolerated. 

I will continue to file complaints until one or both of these parties provide the information that I am entitled to. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the {$50.00} amount with XXXX  and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to Professional Account Management. I see no way to dispute it on their website.

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 2021-04-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
WellFargo contacted my work number in which I advised them previously I am not allowed calls at work. The representative acknowledged the number was flagged as a number not allowed to be called and when questioned about why did she call my work, the representative disconnected the call. This call was received on XX/XX/XXXX at XXXX XXXX  A call was placed to my husband who is not on the account on XX/XX/XXXX at XXXX stating the company was unable to reach me which is inaccurate. This feels very harassing as this company called me on a number Im not allowed calls on and have told them this previously and then move forward with calling references within days of contact with me. If the representative that spoke with me on XX/XX/XXXX would not have hung up she could have obtained a new number. When I asked Wells about the XX/XX/XXXX call I was advised it not documented however I have a log of the call on my employers call log.

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 2018-07-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: MS
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:
They declined to remove fraudulent accounts.

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 2022-11-17
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXXS Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account NumbXXXX : XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: LEXISNEXIS
State: OH
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:
Lexis Nexis stated they obtained my bankruptcy from the U.S Bankruptcy court which is not true the bankruptcy court does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party which they used pacer.gov illegally to obtain my Public record then they furnished my information to the three credit bureau XXXX, XXXX, XXXX. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. 

This is affecting me and adding emotional stress to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: MRS BPO, LLC
State: WI
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:
Mrs bpo llc is reporting info that is frued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
hi i have 2 hard inquierys on my transunion credit agency,  the company is XXXX they are located in XXXX florida, the first inquiry was from XX/XX/2016, the second inquiery from XXXX was XX/XX/XXXX. on my report it says XXXX / XXXX XXXX XXXX XXXX , i first called XXXX about it a month ago and they said it happens qll the time and the couldnt fix it and said to call transunion which i did and they said they couldn fix it untill i got a letted of deletion from XXXX, so i call XXXX to get deletion letter and they said that they dont have a XXXX XXXX credit card division or no affiliation with that copany, now mind you i researched this company and they have well over 100 accounts dealing and specialising in this area, i asked XXXX how coudn he even know every credit card affliation of this company and he said he was positive there wast one and told me to call transunion to take it off and they said no, not without the deletion letter so you see i fedl like im stuck between a rock and a hard spot cause they both wont help me aw you see so if you can help me get this resolve i would appreciate that, so when it comes down to it if XXXX  is truthfull then the very least since transunion is the reporting crexit agency i think they should bzle held responsible for removing it. and just so you know i did n9t apply for credit and or autherize anyone or approve anyone to hard pull my credit ; thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 pulled my XXXX XXXX XXXX credit report and discovered I have a late payments that was reported on Capital One Card XXXX XXXX XXXX ( 8 ) Late Payments Acct # XXXX and XXXX XXXX XXXX ( 4 ) Late Payments Acct # XXXX. During that time, I had a enrolled Covid-19 Hardship programs which allowed me to make consistent payment of $ 45 monthly in exchange to reduce interest rate of 9 % and freeze spending on both of my cards. Upon completion of this program and when my account in good standing that reporting will be updated. Up on finding out that my account was reported as delinquent & Late payments during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked previously for one main financial to stop calling me repeatedly. They have called me a total of 11 times in the last 3 days. They called me 5 times back to back last night at XXXX in a harassing manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020

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 2018-03-05
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received on XX/XX/XXXX a repeat bill for a XXXX account that was opened fraudulently, in XXXX, not by me and they were notified to cease in XXXX ... and i notified the collection company to cease and desist, prior to this letter ... about a year ago, I filed a dispute on my credit file and it was removed by Original creditor XXXX, as well as another Collection company.

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 2020-06-01
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:
CFPB DISPUTE RE : XXXX  XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX  XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.

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 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Under 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 furnishing an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my debt. I never received any services from XXXX XXXX XXXX. Not have I received any information/ notices of what I am being charged for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation