BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: Absolute Resolutions Corp.
State: IL
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BAM Financial, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was promised by Bam financial XXXX XXXX XXXX XXXX that my credit would be restored and a letter to stop and cease would be sent to a company called XXXX XXXX XXXX, but was never done. My credit report was never pulled and nothing was ever done to restore my credit. I was scammed out of {$700.00}. This person also has a copy of my driver 's license and social. He always has excuses each and every time I try to contact him.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collections is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received any calls, letters, or notices about this debt. I had no idea this debt existed until they reported on my credit file without notifying me and that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXXXXXX  on a recorded phone call I spoke to a representative of Portfolio Associates. They took payment and agreed to remove the debt from my credit profile. In XX/XX/XXXX, I filed a complaint with XXXX. The response to my complaint was that they didn't own the debt. However, Today XXXX  the debt once again appeared on my XXXX  credit report. I feel this was in retaliation to my complaint to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regarding my business checking account : From XX/XX/XXXX to XX/XX/XXXX ( last  statement received ) I have been shorted a total of XXXX. I have a checking account at another bank that balances to the penny every month which also has more activity. I find it very odd that for 4 months in a row, my Wells Fargo checking account is chronically short, especially since my other account always balances and the Wells Fargo does not. After working in the banking institution and working as an account for over 20 years I can not locate any errors on my part. It is also strange that it is ALWAYS short. I am to receive my next statement any day now. If it is short again I will be reporting that as well. 
I am curious to know if any other complaints have come in regarding this nature with Wells Fargo. I sincerely hope this will be looked into as I viewed other complaints about this bank and was astonished to read so many complaints about them. 
An audit I hope? 
Thank you for this opportunity to voice this complaint. 
My contact numbers are : XXXX & XXXX. My E-mail is : XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Signed ; 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 2018-09-05
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.

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 2021-11-30
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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've submitted all proper documents to show that I was a victim of Identity Theft.

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 2019-06-12
Company: Innovis
State: GA
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:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 
15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. 
The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. 
The term person means a natural person or an organization. 
By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. 
I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion is reporting a credit inquiry on my XXXX XX/XX/XXXX I am writing to request credit inquiry that were unauthorized be removed 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 2021-10-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Years ago Paypal Credit charged my bank account instead of paypal credit they stated that paypal automatically takes funds from your bank account if you do not have enough on your limit to pay. If I wanted to not use any backup payment methods I could turn it off. So I did. Today I find out a purchase I made a couple of days ago to XX/XX/XXXX was charged to my bank account! They took the funds directly from my bank account instead of my PAYPAL credit which I paid the balance up front in order to charge this so now I have overpaid paypal and they have taken the funds out of my bank account. Paypal has become extremely corrupt and unethical. I DID NOT give them authorization to take funds directly from my bank account. I only use the bank account to pay my minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: UT
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:
In the course of repairing our credit, we filed a dispute on two items with equifax credit reporting and after about 30 days they came back and said the 2 items were correctly reported, so we mailed them the court settlement that proved that we had in fact paid 2 items. About a week later we got an email that they had the results of the proof we sent, so we click on the check status button and it ask us a bunch of questions to verify our identity, and ALL the questions that were asked did not apply and we did not have ANY of the things they said were in our file, so we got a message that said to call because they could not identify me. So I called the number and got a guy that has a bad accent and does not speak very good english, and he proceeded to ask a ton of questions to identify me, and yet after ALL THOSE questions he said he could not identify me, EVEN after I told him about the 2 court actions I sent in to get the disputes resolved, so he said he was sorry that he could not identify me and there was nothing he could do for me? Apparently they have some incorrect information, but you would think after giving him a ton of information, he would be able to help me especially after sending ME the email with a code number on it? If I was a crook and got the email with the code, would I call with the number looking for a dispute status, AFTER giving him that info, and why would i want status? It make no sense to deny me my info. There has to be a better way ESPECIALLY when it takes so many months for them to correct things. I have to refinance my house by XX/XX/XXXX this year and these reporting agencies take so long to react to repairing things that we will loose our home in XXXX. Its terribly frustrating dealing with these places, they dont care if your the real person or not, because I seriously doubt that crooks want to call and ask for information about a dispute?, even when they give my address, ssn, where i work ( im a XXXX  ), and that Ive been at the same address for more than 10 years! Extremely frustrating and unfair when a place can hold so much power over us???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: MoneyLion Inc.
State: OK
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:
MoneyLion claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to MoneyLion. MoneyLion refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I Dispute this Erroneous information to Experian, 3 years ago and it was deleted ( XXXX XXXX XXXX account # XXXX ) but as today continues to appear on my credit report.,  please Investigate

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 2019-05-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Between XX/XX/2019 and XX/XX/2019 Ocwen Mortgage returned three mortgage payments to me. The dates of the payments were XXXX XX/XX/2019, XX/XX/2019, and XXXX XX/XX/2019. I had no clue the payments were not processed. I sent the funds to get my first mortgage up to date. Instead Ocwen sat on the funds for 30-60 days before returning the uncashed checks to me. Each letter returning the checks had no date on them. But each letter was postmarked between XXXX XXXX and XXXX XX/XX/2019 If Ocwen wants timely payments, why are they sitting on my payments before returning them? Now I'm further delinquent with additional fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I learned that a company called Credit Collection Bureau had filed a negative report with XXXX  and XXXX  claiming that I owed a debt of {$1300.00}, opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a certified letter to Credit Collection Bureau asking them to verify or validate the debt because I do not owe them any money. The XXXX  report said the original debt allegedly was in the amount of {$920.00} and allegedly owed to XXXX XXXX XXXX. Through talking to a XXXX  representative, I learned that this debt actually originated in XX/XX/XXXX, not XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or Credit Collection Bureau about owing a debt and therefore these companies never advised me of my right to dispute the debt. I do not owe XXXX XXXX XXXX any money from any services provided in XXXX. All money owed to them was paid by me at the point of service or by my insurance carrier. I also sent a certified letter to XXXX XXXX XXXX requesting information about the billing they claim I owed and the dental office has not responded to my letter. I believe this debt was added to my credit history to attempt to collect on a debt that I do not owe. Further, even if this was an actual bill of mine, they are attempting to collect on zombie debt. I have no way to prove that I do not owe this money when neither company has provided an actual bill for services that I can then investigate further. If the Credit Collection Bureau will not respond so that I can validate the debt, then I want them to remove their negative report from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: R & B Corporation of Virginia
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called the original creditor to have them resubmit the charges to my insurance company to fix the billing codes. Then the account was submitted to collections and the bill was never fixed. Called Credit Control Corp and reported the issue with the bill. They could not bill the insurance company and they were supposed to contact the original account holder to get the bill, the billing history and I have yet to get it. Credit Control Corp can not do anything to correct the billed amount and refuse to make effort to resolve. I am suggesting since they can not take action to make corrections, to remove this account from my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation