BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: APPLE RECOVERY, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an email message from XXXX, XXXX with the subject line of " Pre-Legal Account Notification ''. The email was in reference to a debt that had already been settled and paid in XX/XX/XXXX. The email stated that I owed {$5800.00} on a repossessed XXXX XXXX XXXX. This debt was paid by a check from my bank on XX/XX/XXXX in the agreeded upon settlement amount of {$4800.00} to Apple Recovery LLC. The same day I received a text message from XXXX XXXX stating that they had purchased my debt from XXXX XXXX XXXX  and included a file number. I replied " STOP '' to prevent further text messages.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I applied for Covid19 mortgage assistance at my bank, Wells Fargo, after they posted the availability of their program on their web site on about XX/XX/ 2020. They said that no late payment would be reported to any credit agency and the implication was that no negative affects would accrue to one 's credit report or Fico Score. The day before I applied I had a credit score of XXXX, on Wells Fargo site. THE NEXT DAY IT WAS XXXX!!! 
Now I just looked at my credit score on another web site, because they seemed to have removed the credit scores from the Wells Fargo site and it is XXXX!!! 

Clearly Wells Fargo lied to me and I want my XXXX credit score reinstated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports. 

Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}. 

Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim. 

This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen became our mortgage servicer immediately upon our purchase of a 2nd home 11 months ago. 1st we were told to wait 6 months and then send a written request for an Escrow Acct Waiver. We sent our written request after 11 months of on-time payments. Our request was denied. 1st they said it had to be 12 months, then the escalation manager at  Ocwen said XXXX XXXX  's policy was 24 months. Well, I called XXXX XXXX and their escalation manager told me that the " time needed to have an escrow acct was entirely up to the servicer ''. We have no other debt, we have made all of our payments on-time for 11 months, our value-to-loan ratio is very low ( about 25 % loan ), we both have excellent FICO scores, and our 1st home is  mortgage free. 

What is Ocwen 's problem - is it that they want to hold our money interest-free for another year? or is it that they have no idea what they are doing?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. 
The highest rate was applied. 
The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. 
The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. 
No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws.

See also XXXX See attached screencaps of docs sent and score from barclays website.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : State I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-29
Company: FIRSTBANK PUERTO RICO
State: PR
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:
An account with FristBank Puerto Rico appears duplicated one with a balance of {$3500.00} and another one with {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a Visa debit card in the mail on XX/XX/2021. 
Somehow, its connected to " U.S. Bank Reliacard. '' I did not request this card. I have no idea why I received it. 
I am and have been retired for several years. 

I attempted to call U.S. Bank at the complaint number listed on the back of the card,XXXX. Also XXXX. However I had to enter my Social Security number in both cases, so I hung up. 

I went to a U.S Bank branch Office on XX/XX/2021, in XXXX XXXX, Illinois. I spoke to an Officer about the card She checked on line but was not able to find any information to access. She could not find what entity issued the card. 

She advised me to contact your office since you are listed in the letter that accompanied the card. 

The Card was not activated by me. The Bank Officer advised me to destroy the Card. I cut the Card in half. 

Earlier this year, someone filed a claim with the Illinois Unemployment Department for benefits. and the letter indicated that benefits were rejected. I filed a complaint with the Federal Trade Commission. No further action was taken. 

I don't think its covid 19 stimulus check related, since my wife and I received those checks through the mail. 

I enclose a copy of the letter received with the card attached.

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 2021-03-01
Company: EQUIFAX, INC.
State: FL
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:
Equifax is reporting XXXX inquiries in my credit file that I did not authorize. This company has failed to delete inaccurate or unauthorized inquiries in my credit file. It is extremely damaging to my credit and character and can prevent me from obtaining credit in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in 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 2021-03-01
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!

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 2020-05-24
Company: National Credit Systems,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: Was not notified of investigation status or results

Complaint:
I sent a debt validation to XXXX  and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. XXXX, along with this company hasnt followed up with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: WA
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:
I received an alert on my Experian and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from 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 non-monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-09-09
Company: CNG FINANCIAL CORPORATION
State: AL
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 information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sent Midland Credit a letter asking to verify all and any debts by sending documents proving that the debt belongs to me, any payment history and statements and my original signature. I never had a contract with Midland Credit Management for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity bank calls my phone all day everyday filling up my voice-mail with the same spam message. I'm sick of them calling non stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: OR
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations 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. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own XXXX credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received XXXX letters from XXXX XXXX, American Express, and XXXX. I have no current or past accounts with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC.

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE.

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Flagstar Bank, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/XXXX I made a wire transfer of CHF XXXX from my bank account in XXXX to my bank account in the US, electing to send the money in CHF and have the receiving bank handle the rest. There was a CHF 3 fee for this service on the XXXX  side, meaning that the amount deducted from my account was CHF XXXX and the amount wired was CHF XXXX. 

On XX/XX/XXXX, {$2900.00} was deposited into my Flagstar bank account. Talking to Flagstar, the amount of money received after fees was CHF XXXX, meaning that my money was exchanged at a rate of {$1.00} per CHF. 

Official exchange rates on XX/XX/XXXX and XX/XX/XXXX were {$1.00} per CHF, meaning that I should have received {$3000.00}. Compared to the {$2900.00} I actually received, this is a difference of {$78.00} in addition to the CHF XXXX  I was charged in fees.

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 2020-01-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am enrolled at XXXX and XXXX XXXX XXXX in XXXX, IL as of XX/XX/2020. Navient refused to place my loans in an in-school deferment even though I meet all of the requirements and I am taking the amount of classes needed to qualify for an in school deferment.

Company response to consumer: Closed with explanation