BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: LoanCare, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, LoanCare. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.

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 2021-06-24
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX, having written off an old debt that I owed, having exhausted all avenues of repayment because of the dire financial circumstances I was in at the time, but this debt was bought by Midland Funding, who eventually took me to court. This item was dismissed by the Circuit Court of XXXX XXXX County, Mo on XX/XX/XXXX, but still remains on my credit report, last reported as active on XX/XX/XXXX. I have worked with the three credit bureaus since XX/XX/XXXX to clear up this matter. All have co-operated with the exception of XXXX, even though I provided documentation. 

I need to understand how the documentation was verified as correct to two bureaus, but not to all three. 

Original debt : XXXX XXXX  for XXXX Account Attempt to collect : Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: WELLS FARGO & COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I put the dispute in XXXX in wells fargo because I buy a travel in book it and the in send the lettle with notifications the cancel my trip and call my bank for option, but my bank no help just said no probe enough and closed my dispute sorry for my 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 2023-01-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 Wells Fargo Mortgage XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Originator of 1st lien amount of lien {$84000.00} # RE : XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Texas XXXX lien amount {$20000.00} RE : # XXXX   XXXX The following active complaint includes both parties above mentioned and describes current violations of consistent inaccuracy and fabricated inflated amounts as to recent and previous liens attached againts my property are disputed and my documented complaint is found herein : A ) Both liens contain, include inaccurate overcharged amounts in comparison and against the validity or as to the true amounts causing the lien documents to be falsified and deemed invalid because it directly violates The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required Section 477A Penal Code underlines the ingredients and contents of falsification of documents. The scope of this section develop two offences i.e. [ 1 ] falsifying of accounts and [ 2 ] making or abetting the making of false entry, or omitting, or altering, or abetting the omission or alteration of any entry. 

B ) The lien claims filed by Wells Fargo and XXXX are PROBLEMATIC, DEFECTIVE, EXAGGERATED with inflated charged amounts and unverifed fraudulent and hidden cost added with inadequate calculations which directly affects, hinders the validity and soundness of the lien causing a direct violation in reliance and compliance to 8 U.S. Code 1324c - Penalties for document fraud US Code Notes Authorities ( CFR ) ( a ) Activities prohibited It is unlawful for any person or entity knowingly ( 1 ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, Please consider that your liens clearly are without merrit and also violate Federal and legal legislative rules and regulations and are not limited to prevent other Government agencys who can penalize, nullify and disrupt your delegated unacceptable, inappropriate actions. It is a known fact of evidence that all unfair, unjust, unreasonable dealings can be used against you. I would strongly recommend and advise that you release both liens without further prejudice. 

Sincerely : XXXX XXXX XXXX C/O Request for the CFPB to share my documented concerns with The Attorney General the FDIC and all parties who may have direct interest of jurisdiction to invite Justice.

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 2021-02-11
Company: SIMMONS FIRST NATIONAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, XXXX XXXX, and Simmons Bank. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Simmons Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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: Their investigation did not fix an error on your report

Complaint:
Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Balance : - ; Bankruptcy : XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-05-24
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wanted to get some help for I am being defrauded. 
I've been defrauded by a women who I dated for couple of months, I leased the car worth {$23000.00} 2019 XXXX XXXX under my name on XX/XX/2019 for her to commute because she has no credit to buy or lease the car on her own and her existing car has serious problems and so she can no longer drive that car. 

Right next day after she took the car from a dealer in XXXX, she discontinued and blocked our conversation over text and voice as well ( she did not respond nor answer my text ) and 5 days later she said she wanted to end the relationship out of nowhere. 

I asked her why didn't she tell me sooner and took 5 days without any communication or stop leasing the car when she knew that she was going to end the relationship the right next day? 
and she said she never asked for it but the fact is we've been shopping for a car over a week and I even shopped at the dealer while she was at work and sent cars information back and forth over text messages and we already discussed on the car issue quite some time and now she is trying to get away with the situation when I am left with {$23000.00} car for nothing. 

I already have two cars of my own and no other cars needed for me and I really don't know what to do with this terrible situation.

I asked the dealer if I could return the car but they said it is done deal and they won't accept it back She was there when we leased the car the whole time, she saw I signed the contract, a sales person is my witness and she was the one who drove off from a dealership and after she ran over 100 miles during the last 5 days and she left me a debt for {$23000.00} I can't sleep nor eat because I feel so sick and stressed out in this situation and needed to get help from consumer advocate like you I believe fraud is a serious crime and I firmly believe that she must take the responsibility on this matter. 
I have all the evidence such as text message conversation and witnesses. 
She resides in XXXX, California Please advise me what I can do to get out of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on XXXX and experian which violates the fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing about the worst banking experience I have had with XXXX XXXX XXXX XXXX XXXX XXXX. I have been a customer with XXXX XXXX for several years with no problem. So, you can only imagine my disbelief after hearing that my savings account was being closed for a single check being returned. I had no idea the check was going to be returned. I had no intention of committing any fraud or anything like that, especially with an available balance over 80 thousand dollars. I was told my account was being closed and that any remaining funds ( over {$80000.00} ) would be returned to me. OK I had no say in the matter so I guess I had to live with their decision to close the account. To my surprise I've waited for weeks to receive my money back, but I never did. I called countless times and spoke to customer service ( who were nice ) but It's the back office banking operations who were completely unhelpful. Every-time, I was told that my money would be returned. I have been waiting for YEARS now, and still have not received a cent back from that godforsaken, distrustful, disgrace of a bank. If you are looking into a savings account, look far away from XXXX XXXX XXXX, they are disgraceful and will use every trick in the book to weasel their way into stealing your hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During this week alone, I have had XXXX phone calls to my cell phone from XXXX, XXXX, and today XXXX. All are identified as Portfolio Recovery Service licensed to do business in XXXX VA. There is never a message left. I never have gotten any formal written communication from this company. We do not have a mortgage, car loan, student loan or unpaid medical bills. We pay the balance of our credit cards each month. If this was REAL instead of a robo call or scam, there would be written communication. I see in 2015 there was a formal filing against this company. Why are they still in business? Why would any governmental body allow a company like this to get a license to operate in their jurisdiction? 

What do they expect to get out of a call if I did pick up the phone? Do they target people of a certain age, i.e., XXXX? Yes is the answer to that. I want the calls to stop. That is the resolution I want and my second request is that the federal government put a stop once and for all to these practices. I reiterate. If they had a reason to be calling me, I would have some sort of written communication as to the supposed debt. 

Lastly, I'd like to say XXXX things. My husband was a XXXX XXXX XXXX XXXX XXXX  and he would like to see all the companies that operate in this fashion, prosecuted. Second, by all means, please publish this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/20 Reached out to Capstone collection in regards to a account I have paid and they refuse to inform the Credit Bureau about me paying off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX XXXX  XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX XXXX  XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy XXXX  XXXX Client. As up to date, XXXX  shows the 3 inquiries ( the XXXX and XXXX XXXX Experian and Transunion took off, plus this precise one ), and both Transunion and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask XXXX XXXX to help on this matter, to avoid having unnecessary discussions with a happy XXXX XXXX client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion keeps putting information on my credit report, I have not been able to qualify for a mortgage because of this and even been unable to find employment. I would like all negative items, judgments, liens to be looked over and removed. I am currently living with other people and the address shown on the record are not my residents. They are just for mailing purposes.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.

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 2019-05-24
Company: TIDEWATER FINANCE COMPANY, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I purchased furniture from XXXX XXXX in XXXX. It was financed for Tidewater Financial Services. It is interest free for one year. I am re-financing my home with an FHA loan and I have to close all my accounts that involve credit. I called Tidewater with someone from the mortgage company and Tidewater said that they are not permitted to close the account unless it is paid. the mortgage count has said this is very unusual. I then contacted Tidewater via a web chat and was told the same thing. Tidewater is one of the companies that will be paid off with the loan. They will not close it for me. I have read some reviews about the company and I see that a great deal of people have had similar problems. This is causing a hold up of my loan and will make

Company response to consumer: Closed with explanation