BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-24
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion has re-added the XXXX XXXX partial account number XXXX back to my credit report as well as brought the date of last activity forward. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This is a violation of the Fair Credit Reporting Act to re-add an account in duplicate and to falsely bring the date of last activity forward. I have contacted XXXX XXXX as well as Transunion to remove this from my credit report however, I have not been successful.

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 2021-11-02
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a modification from Statebridge Mortgage and they have been jerking us around. We have applied several times. The last time we applied, they denied us, with a reason that they required {$27000.00} for a modification. PLEASE NOTE, NO ONE TOLD US THAT {$27000.00} WAS REQUIRED, THE ONLY TIME WE KNEW THAT WAS IN THE DENIAL LETTER. HOW CAN THEY DENY FOR SOMETHING THEY NEVER ACTUALLY REQUESTED FROM US? 
Anyway, a sheriff sake date was set for XX/XX/XXXX, and we applied for an extension and was given adjournment till XX/XX/XXXX being the new sale date. We then sent in another modification request and they have totally ignored us. There is not even a response to the application we sent in, and when we call, the customer service person does not have any information, and the representative assigned to our file XXXX XXXX, has NEVER HAD A CONVERSATION WITH US, NEVER RESPONDED TO AN EMAIL, AND NEVER AVAILABLE TO TALK. We were told that she tried calling ONE TIME a few weeks ago, but didnt try to at least respond to any emails weve sent. 
STATEBRIDGE WANTS TO TAKE OUR HOUSE JUST BECAUSE WE OWE UNDER {$100000.00}, AND THE HOUSE IS WORTH OVER {>= $1,000,000}! THEY ARE TRYING TO HAVE US LOSE THE THOUSANDS WE HAVE WORKED HARD OVER THE MANY YEARS AND PAID ON OUR INVESTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland Credit Management Inc. has been attempting to take actions against me in the amount of {$7500.00}. It is showing on my credit report that the account was opened XX/XX/2020. The original account was opened with Capital XXXX. Someone took over my card, copied down the numbers and made multiple purchases and cash advances using the credit card. I tried to inform the original creditor, Capital XXXX, of this and they refused to reopen the account or remove the fraudulent charges, even after being notified of the fraud.I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form XXXX for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XX/XX/XXXX and XX/XX/XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!

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 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 previous Kohl 's charge is being reported as a charge off for XX/XX/2919. I paid off the account in XX/XX/2019, so it should not be showing a charge off for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and 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 2021-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
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:
Dear Sir / Madam, This Is For Your Kind Notice I Applied On XX/XX/XXXX XXXX Credit Card And Got Turn Down By One Of The Main Reasions That CITIZENS BANK AUTO LOAN Notified All Credit Agencies That I Am Participating In a Payment Relief or Deferral Program, Recieving Modified Terms, or Credit Counseling Service, On One or More Of My Account or Loan. 

When I File a Dispute As I Never Called or Requested Any such Type Of Relief Program Then XXXX New Accounts Review Department Came Of The Exect Words That CITIZENS BANK Notified On XX/XX/XXXX To XXXX Trade Line 5 That I Am Effected By Natural or Declair Digaster For Flood Related Relief Program Which Is Totally Unecceptable As I Bought A XXXX XXXX XXXX Through CITIZENS BANK AUTO LOAN And I Pay There Installement Always On Time or Before Time And I Dont Have Any Issue With Any Of The Creditors To Pay My Installement or Loan. 

I Always Paying My Credit Card Bills And Auto Loan On Time or Before Time.

Then I Contacted CITIZENS BANK AUTO LOAN Supervisor / Manager On XXXX XXXX, XXXX. To Look Into This Matter Which Is Effecting My Credintials With Creditors And My Personal And My Family Life Because Of There Negligance. Then Sai We Informed We Open The Case ( XXXX ) Reference ( XXXX ) For You And Forward It To Office Of The Chairman So You Will Get A Call From Them In 24-48 Hours But No Body Called the I Contacted Them Again And Again As No Body From Office Of theChairman Offcice Called Till Now I am Writing This Complaint Of Fraud On My Credit Report. XXXX EST On XX/XX/XXXX. 

So Please Look Into This Matter Which Is Effecting My Credintials To Creditors, My Personal And Family Life. 

Thanking You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY XXXX. 
XXXX : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Greetings, around XXXX my Chime account was closed suddenly and without warning. They stated I would receive a check in the mail from my balance. 2 months have passed and they are now stating no check was issued because I did not have a balance to refund. That is not accurate as it had over {$4000.00} between both checking and savings accounts. They are stating only they can close accounts without any notice at any time and won't elaborate any further. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove them.

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 2019-11-05
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, at XXXX I was called by a person who claimed to be a Wells Fargo representative. The person spoofed the call so that it would appear as Wells Fargo and have the correct customer service number.The individual informed me that someone had tried to use my debit card to make various purchases, and that the purpose of this call to keep that from happening. They asked me to verify the codes that was sent to me, which I did under the impression that this was me verifying my identity to protect my account. Shortly after I checked my emails and see several Wells Fargo messages about Wells Fargo wires, new recipient and a wire transfer initiated and pending for XXXX XXXX As soon as I saw this I immediately called Wells Fargo, the time was XXXX. I informed them that I had not initiated this wire transfer and to cancel it/freeze the transaction. I was informed that it was already pending and that there was nothing that could be done besides to open a claim and to request the money back. Over the following days I corresponded via phone with the Wells Fargo fraud department and the claims departments. They said my claim was denied because I " approved " the transfer through the codes. And that they requested my funds back from the fraudsters XXXX XXXX XXXXXXXX account but there was nothing there. I told them I wanted to appeal my claim denial and was contacted by someone in charge of the claims department on XX/XX/2023, and I explained my situation. That day I was reimbursed the XXXX $ wire charge. On XX/XX/2023 I was called and informed that they would not be able to reimburse me because the money was no longer present in the XXXX account. 
I have made a report with XXXX as well as the FTC

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 2019-04-23
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: Information belongs to someone else

Complaint:
showing error on my credit reports listed : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, 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 have disputed this on my credit report several times. 
Equifax ignores my requests and my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer of a loan for my son. I have been paying on an account with Navient I co-signed for about 3 years. The account was approved for XXXX. My unpaid principal on the account is XXXX. I have been given several different addresses to make the payments for this account. I have come to find out I have not been paying towards the co-signed amount but to his federal loans as well. I have called and continue to have been transferred and hung up on. A representative gave me a webpage to send a list of my payment history to in order for them to research I have made payments. I sent them payments from my bank account to Navient XXXX. I sent them payments for 18 months showing my history each month. I don't understand why I have been given so many addresses to pay on one bill I co-signed for and it is not getting to the right account. Each time I have spoken with an account representative I have been reminded I co-signed for his student loan. The last time they said they received a payment was XX/XX/2019 which is incorrect payment history. I have a history of the payments I have online with XXXX XXXX. Please assist with getting this account under control. Thank you ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Consumer Portfolio Services, Inc.
State: DE
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:
In XXXX of XXXX consumer portfolic account was closed XX/XX/XXXX. XXXX of XXXX this company changed the closed date as XX/XX/XXXX .I have report to the credit bureau XXXX XXXX , XXXX  , and XXXX was told that the account is accurate. I thought reaging account is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.

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 monetary relief
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I continuously have tried to have XXXX XXXX XXXX and XXXX XXXX removed off of my credit! I have never gotten a credit card or loan before XXXX of 2017! And i have never gotten a phone on payments i buy my phones cash from XXXX XXXX since forever! Also XXXX XXXX or XXXX I dont have cable or internet! I even have a credit freeze on and They keep coming back as verified and thats just impossible! Plus there are ALOT of inquiries thst are inaccurate as well! I never got a police report because i never knew until i started trying to build credit! Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation