BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-02-25
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit adjusters LLC I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with manager, I was placed on hold when she returned her reply was with instructions to email her manager with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the manager we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra is alleging I have an open account with a balance of {$310.00} dollars owed since XX/XX/2018. They have failed to provide me with proof I opened the account, they do not have my signature on any paperwork for the account, and I do not recall opening this account. This is a defamation of my character and the collector refuses to remove the account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello CFPB, I had a bank fraudulent transaction on my account and I have already spoken to the XXXX XXXX Police Department about my situation. I spoke with an individual online about a XXXX XXXX profit-making opportunity via XXXX. Her business handle was XXXX XXXX. I deposited an initial {$450.00} dollars for a transaction through a business medium called XXXX for {$450.00}. I didn't authorize any additional transactions further and I saw through my bank account that I got an additional {$5600.00} taken out of my bank account and before I could make a stop to this transaction ( which was at the point pending ), I was wrongfully addressed by a Wells Fargo representative that to file an investigation the file had to be an active transaction before they make any investigations, so I didn't pursue with the block on this pending transaction which was done via XXXX and XXXX ( bitcoin transaction ). This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it happened but I want my money back and I have supplemental information to provide proof of this. 

Please let me know what you can do because this isn't right and I need answers.

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 2021-05-01
Company: DISCOVER BANK
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:
I've reached out to Discover in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. Discover is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: General Motors Financial Company, Inc.
State: ID
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 sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from GM Financial stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and GM Financial is still reported that I had a balance on my loan two months after my loan was paid in full and GM Financial sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my GM Financial loan that the balance was still owing but that I was now 60 days late for bothXX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan inXX/XX/XXXX andXX/XX/XXXX. These reports are incorrect but GM Financial refuses to update their records and the 3 credit bureau 's are not updating their records either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance of my loan with XXXX XXXX in XX/XX/2020. 
Attached is the Closing document. This clearly shows no escrow for either property taxes or homeowners insurance. 
The loan got sold to Mr Cooper ( Nationstar Mortgage ) effective XX/XX/XXXX ( Loan # XXXX ) In late XXXX, they added an escrow to my account and informed by only by end of XXXX ( that is when I received the mail ). 
I emailed them through the online account as well as called them twice : XXXX. XX/XX/XXXX at XXXX XXXX  PST. I was told to submit updated copy of homeowners insurance which I promptly did as soon as I hung up ( 34 minutes later ). I was assured that the escrow would be taken off my account with 2-3 days after I submitted the required information. 
XXXX. XX/XX/XXXX at XXXX XXXX. I was told that this was still under " research '' and that they do not have an estimate on when this will be resolved. - best guess was 7-10 business days. 
I have been making my monthly payments of {$3300.00} every month. However, starting XXXX, they expect me to make payments of {$4800.00}, which I will NOT make. I want this resolved before XX/XX/XXXX but Mr Cooper is not providing any assurances if they will resolve this, never mind when they will resolve it. Attached are also the documentation they sent me regarding escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was transferred to a new servicer but i have no knowledge of who to send payments to, i do not want to get behind because it is hard to catch back seeing as ive changed jobs and dont make the amount i used to make Thanks XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing a bankruptcy that EXPERIAN has been reporting on my consumer credit report since XX/XX/XXXX. I have sent them multiple letters disputing the alledged bankruptcy explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company XXXX XXXX XXXX XXXX. I pulled my XXXX XXXX consumer report on XXXX to view the report, Under section XXXX, which is the public records section, there is no bankruptcy listed on my consumer credit report. On XX/XX/XXXX, I sent Experian another certified dispute letter with supporting documentation, showing that there is no bankruptcy listed on my XXXX XXXX consumer report. On XX/XX/XXXX, I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. Complaint # XXXX. Experian responded by stating that no action was taken because they could not verify my identity and by insinuating that they believed I was possibly using a credit repair company. In every letter, I have sent to them I have included a copy of my XXXX state driver 's license and a copy of my social security card. After receiving the response from Experian in regard to XXXX # XXXX, I sent another letter requesting the items be deleted and enclosed a notarized copy of my social security card, XXXX driver 's license, military common access card, my US passport, and a copy of a utility bill from XXXX power, with my name and correct address as proof of my identity. On XX/XX/XXXX, I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever  it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

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 2020-05-27
Company: First Federal Credit Control, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by XXXX XXXX from First Federal Credit Control on multiple occasions, and each time we spoke I told her I was planning on paying a particular Medical bill if I owed it. I have previously been contacted by a debt collector about a medical bill I didn't owe, so I told her I wanted to look into the matter and would pay the bill I in fact owed it. There are three different medical bills from this date of service, and I was under the impression that I had paid them all. 

I have no problem paying, and I told her as much. I've merely been busy with work and what I thought was likely another harassing call from a debt collector about a bill I did not in fact owe was not high on my priority list. 

XXXX called on multiple occasions, including today, on XX/XX/XXXX, when I tried to get more information, and each time we spoke on the phone, she threatened my credit despite me clearly expressing my intent to pay the bill. 

Then, knowing full well I intended to pay the bill if it was owed, she followed through on the threat and reported bill to credit reporting agencies to damage my credit out of spite ( again knowing full well I expressed that I would pay the bill to the doctor directly instead of to her and her predatory credit agency ). 

I spoke to the doctor 's office today and initially they were confused as well, saying I didn't owe the bill, but should call the billing department. I spoke to the billing department, and found out that the bill was in fact outstanding. Consequently, I paid the bill immediately and in full to the doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 identified items on my credit report that are the result of identity theft, as I did not authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. Tracking confirms all documents were received by Transunion on XX/XX/XXXX. So, these items should have been removed by XX/XX/XXXX. Today is XX/XX/XXXX. The remaining items must be removed immediately. 

I will be including the tracking data from the XXXX priority tracking number associated with this matter.

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 2021-05-01
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Action Collection Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Fay Servicing, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.

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 2021-02-24
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: Account information incorrect

Complaint:
There are five " hard '' inquiries on my Equifax report. I submitted an online dispute on XX/XX/2021, which they resolved within one day. They're response was " inquiries are a factual record of file access ''. Obviously they did not investigate this with the inquiring entities or third-party sources to confirm or deny my dispute. I submitted a second dispute for the same five " hard '' inquiries via certified mail and I accessed the results which were received on the XXXX of XXXX completed the XXXX of XXXX. Again, they used the same illegal response. The burden of proof belongs with the CRA ( Credit Reporting Agency ) thus I am sending a final demand for their removal but would like to include the CFPB complaint number so they understand how serious I take their lack of compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Credit Anyalysis is trying to collect a debt I have no knowledge of. Im not asking for validation and I just want these people of my credit report. I also find it odd that the original creditor reports as another collection agency called XXXX XXXX and would like the Consumer Financial Bureau to investigate this. Also another odd thing is I have searched there address and it is a abandoned building. From what I search on 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 2019-11-08
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.

Company response to consumer: Closed with non-monetary relief