BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: GREAT LAKES
State: MA
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 was shocked when I reviewed my credit report and found a 90-day late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Receivable Recovery Services, LLC
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: Account information incorrect

Complaint:
I have been trying to resolve an issue with some medical collection s on my report that 's not suppose to be on there. Two accounts from Receivable Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second compliant with the CFPB about the same issue. There are two account showing on my Equifax that are accounts that are apart of identity theft. These accounts are XXXX and XXXX. Please see attachment with the account numbers. 

Last compliant - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: PMAB,LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The date was for XX/XX/XXXX and the debt was for {$1300.00} and wasn't aware that I could dispute this debt. The XXXX XXXX charged off my balance in XX/XX/XXXX and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Manhattan Beach Venture, LLC
State: RI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On X/XX/16 an individual contacted myself stating he worked for student loan relief/Obama forgiveness program. Representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included some sort of contract from manhattan beach venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX XXXX  whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down and get my money back. I do not want someone else to be scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SECURITY CREDIT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of heaven and I do not give permission to any company to speak, embezzle or coerce any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2019-08-24
Company: SYNCHRONY FINANCIAL
State: AL
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 saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.

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 2021-03-27
Company: Experian Information Solutions Inc.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2020-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was informed by my daughters XXXX school that a tuition balance of {$9700.00} was due for XXXX XXXX. XXXX XXXX XXXX XXXX based in XXXX. XXXX. Tel.  XXXX XXXX. I inquired to the bank wiring directions from the financial advisor. I received from his email account around XX/XX/2020 from XXXX with specific bank information : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX account : XXXX routing : XXXX I wired the money on XX/XX/2020. 

XXXX of XX/XX/2020 he inquired why I had not sent the tuition. I furnished the details and at that time we realized I had the incorrect banking information. He mentioned his email was hacked and I should work with my bank to recover. Since then the following actions taken : 1. informed my bank ( XXXX XXXX XXXX ). They have tried on 3 occasions to reverse the wire to no avail. Chase will not release the funds back. XXXX claims no liability since I furnished the information and they are not willing to work with Chase on investigation. 
2. Chase fraud department contacted but will not work with me on the topic since I am not their customer. 
3. Filed FTC complaint - pending Concerning to me that a US based bank can be used for nefarious activity and a US citizen who was defrauded has no recourse via the banks. The banks seem disinterested in investigating. I am concerned that others may be similarly defrauded. 

More details and emails and other materials available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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 submitted a dispute on XX/XX/24 to get an account that is incomplete with multiple inaccuracies removed from my credit report. 

I received an update email from the bureaus but after a review of my report I noticed that the account is still inaccurate and incomplete. 

I followed up on XX/XX/24 and have only received a response that they are still working on it. 

This is a violation of the FCRA and a direct violation of 15 USC 1681 ( 5 ) ( A ) ( i )

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 2020-11-30
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my XXXX  Mastercard Credit Card and as I was checking my account online I saw two charges in my account in the amount of {$390.00} made on XX/XX/XXXX at the XXXX XXXX XXXX, NH also another charge of {$840.00} made on XX/XX/XXXX at the XXXX XXXX in XXXX, NH. I am not even in the USA. I notice the fraudulent charges and I did reported right away to the credit card. These charges are fraudulent and was not made by me. They are refusing to reimburse me for it.

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 monetary relief
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-01
Company: Viking Client Services
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Viking client services contacted me from ( XXXX ) XXXX on behalf of XXXX XXXX XXXX payment, alleged owed by me {$860.00}, when in actuality XXXX XXXX XXXX continue to refund my money to me on my card due to system malfunction. Viking have called me while homeschooling my two children and have cause for a disturbance by violating having no written consent by me to contact me and disclose location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NY
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:
as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX XXXX XXXX XXXX XXXX open date : - date of last payment XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent debt collection letters twice on XX/XX/2020 and XX/XX/2020. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

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 2021-11-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have reached out to Specialized Loan Serving on multiple occasions to inquire about settlement options and modification. In all instances, they have refused to work with me. Most recently, I was informed that the loan investor is not accepting any modifications as they are not legally required to do so. My loan is not XXXX XXXX or XXXX XXXX  and they were not able to tell me who the investor was until I requested it in Writing. They did eventually send correspondence notifying me of who the current creditor is ( The Bank of XXXX XXXX  XXXX ). Specialized Loan Servicing previously advised that I reach out to HUD in which I did, however, they only submitted the paperwork for a loan modification which SLS denied again. After denial, HUD recommended reaching out to attorney they referred me to and also suggested contacting CFPB. I have been in my home for 15 years and intend on remaining. I feel that this loan was a product of the predatory lending that took place before the recession and I made payments until my resources were exhausted. I can not keep up with the adjustable rate mortgage and they will not work with me to modify the loan to a reasonable and affordable amount. I am requesting assistance with this matter to fairly resolve the situation.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2020-10-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REFER TO CASE XXXX XXXX XXXX RESPONSE YOU CFPB!!! STOP CLOSING MY CASES UNTIL I VERIFY THEY HAVE SOLVED MY PROBLEM. YOURE AS UNHELPFUL AS SCAMMER WF. 
FIRST OFF XXXX XXXX THANKS FOR PROVING YET AGAIN YOU ARE DISGUSTING LYING SCUM. 
I HAVE NOT SPOKEN TO ANYONE NO ONE HAS GIVEN ME AN UPDATE. I CALLED WF WHEN 2 WEEKS AGO I GOT A CALL FROM A NEW NOTARY DEPARTMENT AND A XXXX TRACKED ENVELOPE FROM WELLS FARGO WITH NEW DOCUMENTATION TO SIGN. STOP LYING. I CALLED WF AND SPOKE TO A USELESS SUPERVISOR WHO BLATANTLY TOLD ME YOU  HAD RECEIVED THE PAPERWORK AND THERE WAS MISSING INFORMATION AND I HAD TO RESIGN MY PAPERWORK BUT THE TRYGLODYTE HAD NO IDEA IF IT WAS ME OR MY SISTER. I SPOKE TO MY ORIGINAL NOTARY PERSON AND SHE SAID WE DID EVERYTHING RIGHT THAT IF THERE WAS AN ISSUE WF WOULDVE LET US KNOW. I CONTACTED MY SISTER AND HER NOTARY TOLD HER  EVERYTHING WAS SENT IN AND ACCEPTED. YOU ARE DISGUSTING LIARS. YOU ARE SCAMMERS. YOU SHOULD BE ASHAMED WORKING AT SUCH A CORRUPT UNETHICAL COMPANY. IF YOU ARE STATING THAT EVERYTHING WAS APPROVED THEN WHERE IS MY CONFIRMATION FROM HUD THAT YOU STATED WOULD BE MAILED TO ME? WHERE IS THE RECEIPT FROM HUD? I WANT TO KNOW HOW I AM TO PAY HUD BACK!? SO I WONT OWE ANYTHING TO YOU SCUMBAGS BECAUSE YOU SURE AS XXXX DIDN'T HELP ME FOR COVID19 ISSUES. HUD PAID MY 2 MONTHS MORTGAGE. I WANT TO PAY THEM BACK SO I CAN SELL THIS POS CLEAN AND NEVER BE IN YOUR DEBT

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 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
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 am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : 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 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.

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