BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has been after me over this fraudulent debt for almost 10 years now. I used to call them after every billing cycle and complain that they were gouging me ; my bills were going into the {$100.00} - {$300.00} range because of supposed data overages THAT I NEVER USED TO BEGIN WITH! So finally I switched plans. When I did that, they took my existing bill and added a prorated amount on top of it, which was ridiculous. The bill was ridiculously high, and I told them I wasn't going to pay it and wanted to cancel my membership. They said I had to pay and I started a new 1 year contract with them the month before. So, I didn't pay ( was actually financially incapable at the time ) and the next month they tacked on another bill. They said I owed close to {$600.00} FOR A PHONE BILL! I told them I didn't care how much they said I owed them, I will never voluntarily pay it. So they further hurt my credit by putting a derogatory remark on the Transunion account. 

Also, this debt collection is very old. I was happily with XXXX in 2016, not XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Receivables Performance Management LLC in XX/XX/XXXX. 

The letter from RPM stated that I owe {$3200.00} for a Sprint/TMobile account that I did not open. 

I called RPM and inquired about this Fraudulent account. I was told that the account was opened in XXXX, FL on XX/XX/XXXX and that 4 XXXX were purchased. RPM gave me the phone numbers for each phone and the phone number used when the account was opened. 

The 4 cell phone numbers are all XXXX, FL based numbers and the phone number on the account is a XXXX, Colorado number. 

I live in Connecticut and I have never had a XXXX/XXXX  account, plus I was never in XXXX, FL. 

I told RPM that this account is Fraudulent and I did not open it. I asked them to please remove my name from this Fraudulent Account and remove this Fraudulent Debt from my Credit Reports. I told RPM that I live in CT and that this account as RPM told me, is for 4 XXXX purchased in XXXX, FL, with XXXX, FL numbers and the contact number is a XXXX, CO number. I told RPM that the information they provided does not add up and it is absolutely Fraudulent and they replied, my name is on the account and as far as they are concerned, I am responsible for the balance on this Fraudulent account. 

After I spoke with RPM, I immediately placed a Securtiy Freeze on all of my Credit Reports. 

I want RPM to remove my name from this Fraudulent Account and Remove this Fraudulent Debt from my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a request to investigate inaccurate accounts on my credit report on XX/XX/2023. It has been over 45 days since I sent my inquiry but still have not received a response. I am writing to formally bring to your attention a matter of utmost importance concerning my consumer rights under the provisions of 15 U.S. Code 1681c-2. It has come to my attention that a consumer reporting agency has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. I am a victim of identity theft and have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency in question has not acted in accordance with the law to promptly delete this information from my file. This situation is not only causing me significant distress but also threatens my financial well-being. Furthermore, I would like to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, and none of those circumstances apply in my case as I never granted written consent for the inclusion of these accounts in my report. Please treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$710.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00}

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 2022-10-29
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. I have noticed fraudulent accounts reporting on my credit report. The following accounts I never authorized ; Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I RECEIVED A DEBIT CARD IN THE MAIL I DID NOT APPLY FOR, I AM CONCERNED ABOUT SOMEONE TRYING TO STEEL MY PRIVATE INFORMATION, THERE USING MY NAME AND MAILING ADDRESS INFORMATION .I CALLED US BANK RELICARD SERVICES BUT THEY WERE OF VERY LITTLE HELP, I HAD MY PRIVATE INFORMATION STOLEN ONE TIME AND IT WAS A VERY BAD SITUATION FOR ME, I HEARD ABOUT THIS HAPPENING BEFORE WITH THE SAME COMPANY, I HOPE SOMETHING CAN BE DONE ABOUT IT ... ... ... ... ... ... ...

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 2023-04-25
Company: Atlanticus Services Corporation
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:
Fraudulently opened by ex employee. Never had my consent or authorization. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Innovative Recovery, is reporting false and unverified information in my credit reports. I have never even got ta a single letter from this company and now they report on my credit reports illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that XXXX XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2021. On multiple occasions I requested XXXXXXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2018-06-04
Company: B & B FINANCIAL SERVICES INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dealership sold Gap and service contract with a signature obtained from being coerced into scanning document for Gap refund that was supposed to cover me back to me. Instead said it was applied to loan but figures and dates do not match. Added vin to car motor to replicate a metal plate with screws. However fake screws that are not real. Engine is different sold car as a XXXX but actually XXXX. Charged my credit card without my knowledge for services I knew nothing about.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-27
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received a letter from Mandarich Law Group with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. Mandarich Law Group represent XXXX XXXX XXXX which purchased the debt from XXXXXXXX XXXX credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXX and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXX New York state collection law is XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Aargon Agency, 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:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.

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 2019-12-05
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly applied for HARP with PHH without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. PHH logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. PHH took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that by PHH is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments PHH shows on my credit report that I am 90 days past due. I am being told by PHH that XXXX owns my loan. That I must take a new Trial Period Loan at {$2300.00} XXXX {$250.00} more per month XXXX with a variable loan that caps at 4.75 % instead of the 3.375 % that I have now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Trident Asset Management, L.L.C.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I HAVE NO KNOWLEDGE OF THIS COMPANY!!! I HAVE BEEN TRYING TO GET THEM REMOVED OFF OF MY CREDIT FOR AWHILE. ITS HARD TO GET IN TOUCH WITH SOMEONE THERE WHO SPEAKS XXXX. PLEASE HELP AND REMOVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Wells Fargo credit card. I was offered a promotional balance of XXXX XXXX for a transfer fee which I accepted and was charged that transfer fee. Subsequent to the balance transfer, I made a purchase of {$280.00}. Within 8 days of that purchase ( within the grace period ) I submitted payments totaling {$300.00} as well as the minimum payment due ( before and after that billing cycle ). I was surprised to see that Wells Fargo was charging me interest at the regular purchases rate for that {$280.00} purchase. Instead of allocating my payments towards that purchase, Wells Fargo is allocating payments towards the promotional rate balance that is XXXX XXXX and that I already paid a transfer fee. With this bank policy, Wells Fargo will continue to charge the regular interest rate until that promotional balance is paid for thereby negating the entire purpose of accepting the promotional rate and paying that transfer fee. This appears to be an unfair practice by Wells Fargo.

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 2020-04-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.

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 2023-08-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE LOOK INTO WHO DEPOSITED A " FISH AND BATE '' CHECK INTO MY ACCOUNT OF " CHASE '' IN XXXX. THAT CAUSED MY CHECKING ACCOUNT TO BE BLOCKED AND CLOSED. THANK YOU. 
P.S. I HAVE CLOSE TO {$80000.00} US DOLLARS IN MY ACCOUNT. AND " EFT '' THAT WAS NEVER CREDITED. AND A BOUNCE CHECK FOR THE AMOUNT OF {$27000.00} WITH " XXXX XXXX '' ( WHICH BELONGS TO XXXX ). AND THEY PUT A " FRAUD '' CHARGES ON MY ENTIRE CREDIT CARDS AND THEY ARE NOT WILLING TO FIX IT OVER THE PHONE EITHER. PLEASE LOOK INTO IT AS SOON AS POSSIBLE. 
THANK YOU. 
" XXXX '' AND I HAD A " EFT '' DONE TO MY XXXX FOR THE AMOUNT OF {$5000.00} BY XXXX XXXX  AND IT DISAPEAREARED. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount {$1000.00} collection company : Oxygen XL I closed down my business in XXXX XXXX after I closed business, i got notified from the merchant company that a client disputed a charge of {$100.00}. the business was closed all workers left, i couldn't pay that back to the merchant company. 
the merchant company sent my debt to Oxygen XL collection co., i was charged {$1000.00}. 
this is incredible ripped off. 
they also sent to my credit report. the debt was from an LLC, it can't be reported to my personal credit report.

Company response to consumer: Closed with explanation