BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX  or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was conversing with someone from XXXX on 3 tickets to the XXXX XXXX game on XX/XX/XXXX. We emailed back and forth regarding procing. I got a request via Wells Fargo from his account ( name and number of requested included in this request ). I sent the money and tickets never came. Then email responses stopped. I called the number that I got via XXXX and the person who picked up said they never posted an ad about tickets. He claims identity theft. I called my bank and told them that he money was transferred to an account via there app. They refused to 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 2017-12-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.

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 2022-02-12
Company: Experian Information Solutions Inc.
State: MO
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 sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX to XX/XX/XXXX insufffficent funds notices and monthly amount for fee low balance. bringing account into negative than forcing a close on XX/XX/XXXX using up the 100.00 that was in account charging 200 dollars and creating a bad chex system report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with CMG Financial and they are violating my HIPPA rights and the California Homeowner 's Bill of Rights by dual tracking. <P/>Due to a XXXX medical diagnosis in and treatment I had fallen behind in my payments. <P/>In XXXX of this year I submitted a loan modification. CMG had a sale date of XXXX XXXX. I was told my paperwork was complete and the sale date was postponed. <P/>I was later told I needed more documentation and that was sent. <P/>Again, told my file was complete. Again then asked for more documentation. <P/>All the while my primary contact at CMG was impossible to reach. When called I 'd always get her voicemail, left messages but never a return call. The exception being on a Saturday when she left a message. I called that day, again voicemail. Called again twice the following work week with no return call. <P/>The cycle of my file being complete followed by more requests continued. This past XXXX I again was told all documents were in but just today ( XXXX XXXX ) I was told I needed updated documents as they were expired with dates from XXXX. These documents were sent in XXXX ( I have a fax confirmation ) Additionally they asked for my medical documentation ( doctor bills, prescription invoices and the like ). I told them this violated HIPPA. They still insisted. <P/>They also continue to hold my current sale date of XXXX -- just next week! regardless of the fact it violates the CA Homeowners Bill of Rights by dual tracking.
<P/>They have left me completely frustrated. By stalling in their decision making, they then request updated documents. They are always provided promptly by me but ignored or lost. We continue to go in circles with no relief in sight for me. This has made my recovery all the more difficult due to the stress they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 I XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies =TRANSUNION XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-31
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing because XXXX XXXX has a credit collection account reporting on my XXXX XXXX and XXXX credit report from Diversified Consultants. The account shows as paid, but it is still a collection account. I never paid Diversified Consultants. I have only dealt with XXXX XXXX. I paid XXXX XXXX directly. 

It is false reporting for Diversified Consultants to report I have an account with them and that I paid them. I am requesting that Diversified Consultants remove this collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit report.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XXXX 2021.

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 2017-12-31
Company: EQUIFAX, INC.
State: IA
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:
My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: HI
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX and XXXX serious breach of my privacy rights 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 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

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 2017-12-31
Company: Ad Astra Recovery Services Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently pull my credit file and noticed that I have a collection with XXXX XXXX XXXX XXXX Account # XXXX. I have no contractual agreement with XXXX  XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX thinks this alleged debt to be accurate please provide the following documentation : documentation agreement with your client that grants them the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor NOT A COPY A WET INK SIGNATURE FROM THE ORIGINAL CREDITOR, any insurance claims having been made by any creditor regarding this account, any judgement obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt came payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, and commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VAILDATION made pursuant to the Fair Debt Collection Practice Act This consumer would like BBB to makes sure that these matters are handle in the upmost professional way and IF AD ASTRA RECOVERY SERVICES CAN NOT PROVIDE ALL NECESSARY DOCUMENTS INCLUDING ACCOUNTING LEDGER YOU NEED TO REMOVE THIS ALLEGED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: AES/PHEAA
State: IA
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:
My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

Company response to consumer: Closed with explanation