BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent several complaints to Experian and XXXX  about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. Experian and XXXX   has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from Experian XXXX, XXXX, XXXX, XXXX XXXX XXXX  and 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 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

Portfolio Recovery has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My issue is with Portfolio Recovery Associates, a dent collector that paid pennies on the dollar for a debt previously owned by XXXX XXXX acct # XXXX. In multiple attempts to settle this debt, Ive chatted and called with offers but their unwillingness to work with my offer of 30 % of the debt seems unreasonable. I recently spoke with an operations manager who was rude in explaining their stance. My job was suspended XX/XX/XXXX due to COVID-19, and Ive made attempts that are more than reasonable for this company. Ive made offers to settle 3 current accounts with them to no avail. It seems their statement of caring for their customers is false, as this situation has been a nightmare. Im one of the few that are likely TRYING to resolve this debt with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: FC HoldCo LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account and have asked for proof in form of a signed contract with my signature and have not received anything. Flagship Credit continually reports this account to the credit reporting agencies incorrectly. I have never done business with Flagship Credit Acceptance. I have never signed any contract with Flagship Credit Acceptance but they still are reporting this account under my name. Under the FCRA the creditor is supposed to furnish proof of the debt if asked. I have asked them to send me proof and they have not. I want them to delete this account from my credit report immediately. This has hindered me from getting a house and other things.

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 2017-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received at my home address a Wells Fargo mailer offering a {$300.00} bonus to open a new checking account. The issue is that the first name on the mailer is unknown to me but the last name and address are correct for my home. I am the original owner of that address so no other names can be associated with the address. 

I contacted Wells Fargo in an attempt to ensure that no current account existed and that no future account could be opened using this name and address combination. All I was able to ascertain was that no account using my SSN was currently open. 

Given the history of Wells Fargo opening 1.4 million fraudulent accounts I am very concerned that there is a potential for identity theft or other fraud possible from this mailing. 

I want to know the source of this addressing information used by Wells Fargo and I want to ensure that no account using this name and address combination can be opened with 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 2020-05-13
Company: EQUIFAX, 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:
Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam : I am a XXXX at XXXX XXXX and had transferred USD XXXX on XXXX XX/XX/2019 from my salary account through my card for my family expenses to my XXXX account number at XXXX  XXXX XXXX ( the details are attached for your ready reference in the attachment ). I received message from Remitly INC of money transferred but did not receive it in my account in XXXX. I checked with in my branch after not receiving the money in my account I called Remitly INC. Remitly told me to check with the XXXX   in XXXX and to send me a copy of my Bank statement. I have done that and send them all the documents which they asked for over the phone. 

I have send several statement to Remitly, called them but till today have not received my funds. I even made a complaint to the XXXX XXXX  XXXX XXXX which is the XXXX XXXX  XXXX XXXX and all the Banks are under the control but my funds are still not received. 

I have gone thru lots of hardship during my stay in XXXX and had to borrow money for my family expenses. 

Now Remitly does not write to me or call me or give me any updates of my funds. They are not at all bothered. 
I was on ship from XX/XX/XXXX in XXXX Lockdown and could see the Remitly INC office from the ship but I was not able to go out of the ship and complaint to them in person or recover my money. I had no salary on the ship. 

Now in this trouble time I need this money for my family. I have taken loans and have to repay and my family includes my XXXX school going children ( age XXXX and XXXX  years, my spouse, my father who is XXXX  years and my sister XXXX  years I have to take care of in XXXX. I have no money now. 

Please help me to recover my money. 

I have attached my documents for your ready reference. 

My contact details are : XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX or XXXX XXXX XXXX or + XXXX XXXX XXXX Email Id : XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I emailed 3 letters to Equifax over the last 6 months regarding the XXXX XXXX A inquiry for XX/XX/2020. This inquiry is not mine and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
An item showed up on my credit from a law firm Kimball , Trey & St John on behalf of XXXX XXXX XXXX. Saying that I owe {$6600.00} for an eviction. I contacted XXXX  and disputed the line item letting them know it was not my debt and for this to be removed. In retaliation they filed a levy on all property against me. I have never lived at the property. I had no idea about this until I received a Notification of Levy, filed XX/XX/2018, AFTER they XXXX XXXX out my bank account with XXXX XXXX. I tried contacting them but was unsuccessful. I have sent a letter demanding they provide CREDIBLE proof this is my debt. The levy they have improperly placed on my bank account and all property causes a hardship on my life as I only receive assistance from the state as I have a XXXX XXXX child I take care of. In addition this has greatly affected my credit report in a very negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Card issued and account opened without my consent or knowledge

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have a auto loan with XXXX XXXX XXXX that was opened in XX/XX/XXXX. My account is current, my last payment made was XX/XX/XXXX of {$450.00}. On their website through the customer portal my account reads current/on time but on my credit report it shows the account, closed, in collection/ charge off as bad debt and is listed with a derogatory payment. I have disputed this through transunion and XXXX 5 times now. They did update the balance but that was all they were able to do My account is it closed or in a derogatory status or in collections I am making my payment monthly. The representative I spoke to even shared with me that yes the account is in good standing snd I make my payments on time This company is not accredited with the XXXX and is currently under investigation for signing people into loans they know they would default on. I believe my account was victim to this tortuous behavior. 

Please help

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 2019-01-08
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Freedom Mortgage, is continuing to charge me monthly private mortgage insurance even though I have met the requirements for PMI cancellation and have requested cancellation numerous times. 

It has been more than 30 days since I requested PMI cancellation. Freedom Mortgage tells me I need to get a broker 's price opinion. I submitted the required paperwork and fee for the BPO. Freedom Mortgage cashed my check for the fee but has refused to schedule the BPO. I have phoned them numerous times in an attempt to resolve this issue.

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 2018-11-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2014, Specialized Loan Servicing ( SLS ) acquired my loan from XXXX. 
At the time, I was awarded funds from Keep Your Home CA in  the amount of {$98000.00}. 
SLS placed the funds in an Unapplied funds account until XX/XX/2014. I was informed that {$93000.00} was applied to the principle balance.

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 2020-12-16
Company: The Bureaus, Inc.
State: WA
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:
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Midwest Recovery Systems
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a Midwest Recovery Systems put a dergatory report of {$880.00} for XXXX XXXX loan. Never heard of XXXX XXXX. The date opened was unknown and just showed up without any notification received from the debt collector. When I called Midwest Recovery Systems on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that XXXX XXXX   had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: DISCOVER BANK
State: IL
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 been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments.

Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month.

Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship.

It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full.

If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month.

The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I submitted a complaint ( FSA Feedback Case : XXXX ) to understand better the status of my application for TEPSLF. I was told there was nothing to be done to address the following concerns, but to wait. Here was my original concern : I started the TEPSLF process on XX/XX/XXXX, sending in my request to XXXX, as directed ( email attached ). I received confirmation of my request via email on XX/XX/XXXX ( email attached ) .I received my PSLF 'denial, ' as expected, on XX/XX/XXXX. All was going according to plan! Six weeks later, on XX/XX/XXXX, I called XXXX for an update on my application, and I was told that I did not have an active TEPSLF application on file, that I was 'denied. ' I did not receive any written notice of this denial. The Representative told me that this denial was due to the fact that I submitted my TEPSLF request prior to having a PSLF denial on file, which was a mistake. He said I did everything right and that he could not explain why this happened and apologized for the error. I asked to speak with a Supervisor. When I asked the Supervisor if my TEPSLF application could be re-activated or back-dated, to keep my place in line, I was told that was not possible. I was instructed to start the process over by emailing TEPSLF again. I emailed immediately on XX/XX/XXXX ( email attached ). I did not receive a confirmation email from XXXX as I had after my initial email in XXXX, so I called XXXX to confirm my 2nd request had been successfully received. My 2nd application was on file. I received notification on XX/XX/XXXX ( email attached ) that I had met the employer requirements and 120 qualifying payments ( as I expected ) and FSA would complete a final review for forgiveness. I have called XXXX every 2 weeks since then to check the status. I am often told conflicting information - it can take 30-90 days or it can take 180 days. One person even told me no applications will be forgiven until the CARES Act expires ( which can't be true ). The TEPSLF Program is first-come/first-served with limited funds. Starting the process over on XX/XX/XXXX meant I lost about 45 days of progress, nearly a month-and-a-half. I am now 3.5 months into waiting for a decision - FSA has had my application since at least XX/XX/XXXX - and I have been told it could be another 2-3 months! I write to kindly request that my application for TEPSLF be moved up in line for consideration ( back-dated to XX/XX/XXXX ) given the erroneous denial and unfortunate 45 day delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: Common Wealth Mortgage Services
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I have been trying to get a 30-day late payment removed from our credit report because it is inaccurate. When we have called, we have been told multiple times from XXXX XXXX ( our current mortgage lender ) that their systems do not show ANY 30 day late payments on our account and confirmed that the payment in question was received well before the end of the month, yet they will not cooperate in getting it removed. I have been emailing with XXXX XXXX with XXXX, the person we were told to speak with regarding the misreporting, yet zero help has been given. Multiple times XXXX has told us she would get her XXXX to send us something, we have never heard back and are left reaching out time and time again with no results. 
As our current lender, they are doing this knowing that we are not able to get into a better, lower payment loan with this reporting on our credit. They are effectively trapping us in this loan. XXXX refuses to give us anything but her verbal confirmation that they do not show ANY 30 day late payments, and tells us to dispute. The issue is that they know that we are not able to do this refinance if there is dispute language on our credit around our current mortgage. We are completely trapped and are getting zero help. Please see the most recent email thread with XXXX attached below.

Company response to consumer: Closed with explanation