BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.

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 2019-01-16
Company: COOLEY ENTERPRISES 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:
XXXX XXXX XXXX XXXX XXXX and XXXX called me to inform me that they see that I qualify for a lower car note payment. The question was asked if I would like to do so, I said Yes. No one mentioned having to run a hard inquiry on my credit during the process. I did not even go through with the process because I leave in XXXX and the dealership is in XXXX. There were two inquires placed on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2018-02-02
Company: Ad Astra Recovery Services 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 status incorrect

Complaint:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CORELOGIC INC
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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2019-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. Thank you.

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 2018-05-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The issue at hand is unapplied funds with mortgage payments in excess of what is required. Funds in excess of the mortgage payment are not applied to the principal balance of the mortgage. Payments of {$300.00} per month result in :XX/XX/XXXX {$91.00}, XX/XX/XXXX {$97.00}, XX/XX/XXXX $ {$96.00}, XX/XX/XXXX {$86.00}, and XX/XX/XXXX {$53.00} ( total {$420.00} ) not being applied to the principal balance or my mortgage. Instead they are kept in an unapplied funds account ( in excess of the required monthly mortgage payment of {$180.00}. Please advise on how to proceed to get the {$420.00} in XX/XX/XXXX unapplied funds credited to my mortgage balance. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020, my ex-husband of 4 years walked into a Union Bank in  XXXX XXXX XXXX, California and fraudulently opened two accounts in my name without my permission. He opened these accounts in my married name, which I have not used for the past 4 years. Union Bank did not verify anything with me before opening these accounts. Today, on XX/XX/2020, I received an email about my " new account '' -- opened in a name I don't even use anymore -- saying that they received my Signature Card. How did they receive a signature card from me if I did not open this account? So I called the Customer Service line to close the account and Union Bank won't let me because I don't have the account number ( because I didn't open the account! ). Union Bank refuses to help me. This is fraud!!! 


ONLINE BANKING Confirmation for your new Union Bank account Dear XXXX : This is a confirmation that we have received your Signature Card for your new account ( s ) opened on XX/XX/2020. 

Thank You, Union Bank Questions? Call XXXX. Representatives are available Monday - Friday XXXX XXXX XXXX - XXXX XXXX. Pacific Time ) ; Saturday ( XXXX XXXX. - XXXX XXXX. Pacific Time )

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 2020-10-12
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX I sent credit dispute letters asking for the credit bureaus to properly verify and validate these accounts because they do not belong to me and they are a product of identity theft I ask them to send me a copy of application and contracts sign by me To verify identity and I have not Received any of these items At all I received was a letter stated These items was verified as accurate and a couple of bills that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: KY
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 asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.

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 2020-07-02
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bought products online and paid by PayPal on XXXX XXXX, total purchase {$9300.00}, I never received items and had contracted seller and PayPal many items and never get solve, seller provided tracking number that not belong to my address and PayPal never research on that tracking number, PayPal wanted XXXX XXXX  form from XXXX, XXXX didnt let me have it and XXXX security manager sent email to PayPal about itXXXX security manager name is XXXX XXXX, his ph number : XXXX and his email address : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: Receivable Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX  " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX  " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

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 2020-11-05
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my house in XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX ( no longer in business ). I believe that XXXX XXXX XXXX was taken over by XXXX XXXX ( also no longer in business ). I am currently with Wells Fargo Home Mortgage. I have been in this house for 16 years. 

We are selling the house and have a buyer. We are supposed to close on the house XX/XX/XXXX ( next week ). I received a call from the buyers closing Atty. XXXX XXXX, XX/XX/XXXX phone # XXXX on XXXX saying there is a problem with the title on our property. He said that it was not properly discharged. He said there is no record of the refi mortgage being paid off before going to our current mortgage, Wells Fargo. He asked if I had the settlement statement showing the payoff. I found the statement and sent it to him. He said the pay off is showing to XXXX XXXX and does not mention XXXX XXXX so it is not acceptable. He said he would have to hire a title search company and that could take weeks. The settlement company was XXXX XXXX XXXX , XXXX ( also no longer in business ). We did pay for title insurance at the time to XXXX XXXX XXXX XXXX of FL ( they are no longer in business ). 

My current mortgage with Wells Fargo is account # XXXX. I called them and they were able to provide a document that does name XXXX XXXX and XXXX in the document. This was faxed to the Attorney. He is saying that it is also no good. 

The attorney said to me " I know you must have paid the mortgage off or they would have foreclosed on you by now '' since we are still in the same house. 

It is not fair to the consumer to have to prove this payment again when I did provide the settlement statement. Now I am afraid I will loose the condo I am buying and the buyer for my house. 

I am in a terrible situation right now. Any help you can provide would be helpful.

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 2021-06-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: OneMain Finance Corporation
State: MD
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:
XXXX  reported a hard inquiry from One Main Financial. I have NOT requested any credit from On Main Financial. XXXX  is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want XXXX to remove the false information regarding One Main Financial & restore my 10 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i had business account in bank of america since 2 year couple month ago someone stolen to the bank check book than he wrote XXXX totally ten different check ( XXXX something for each ) than they hold my account and they don't give me any information what I m gon na do I can't open new account from any bank i report to XXXX couple time on the phone and did application online but nobody send me e mail or any call PLS HELP ME PLS 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 2022-08-08
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:
TransUnion customer service would not help me to take care of the unauthorized inquiries reported to my credit report. Ive called multiple times already

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 2021-06-02
Company: MIDFIRST BANK
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage company violated several Federal laws which is attached to this complaint. 
I have included my DL for verification which has my current address.

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