BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Applied Data Finance, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I resolved the initial debt through a debt consolidation company back in XXXX. There was a XXXX balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX. 

I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had XXXX CONTACT with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had sent a Money Transfer ( MTCN XXXX XXXX XXXX ) for XXXX XXXX to XXXX XXXX XXXX in XXXX, XXXX , through Western Union. Since the Beneficiary did not collect the same, I got a letter from Western Union, asking me to go to their Agent and collect a Refund, if I want to. Accordingly, I went to the same Agent ( " XXXX XXXX XXXX '' in XXXX XXXX, NY-XXXX ) through whom I made the transfer. He confirmed that the amount is not picked up but he can't process the refund unless I call Western Union at XXXX and get another Code Number. 

Accordingly I called that number and spoke to one of their CSRs - XXXX ( Employee Number : XXXX XXXX ), probably in The XXXX. She verified all the information and and put me on hold for almost 20 minitues and at XXXX XXXX said that the she can't process the refund and I will have to wait for a call from some other department, which might come in 24 hours. 
I do not understand why I have to wait another 24 hours, since the Money Transfer is still pending in their system and she has verified all my information. .I told her, I have worked in the Money Transfer industry at the CEO level in the US and also abroad for over 2 decades and have never heard of any such rule.She says that is the rule of Western Union .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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 ACT XXXXXXXX XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account was not paid late. Account never hit payment of 30 days late. Customer was in ICU with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: NY
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 explained to the Experian customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Several months ago I received a call from Orion stating that my BROTHER owed them money. They left a voicemail saying to contact them to get in touch or pay the balance. I forwarded this to my brother, and he said he had no clue how they got my info. He did not share. I didnt know what it was about. He said it was about furniture his ex-wife rented, but that there was no way they should have my info. I blocked them back then. Today ( XX/XX/2020 ) I got another unknown number call. It was the same company leaving a message to collect money from my brother. I assumed it was for the same thing. It was. My brother called, and the guy said, Why should we stop calling your family if you wont pay us? 
This is utter harassment! I am not my brother, I dont own his debts, and I am appalled by this companys actions! They did skip tracing to even get my info. And to use that, I believe, is illegal ... especially to threaten those uninvolved except relation ... names never provided. I need this to stop! 

I dont know what the debt is that they are looking for. My brother has asked them to stop on numerous occasions, but specifically several times between XXXX on XX/XX/2020 he tried. My mom said she has no idea what they are talking about, so stop calling, but they have not. 

My brother has repeatedly asked them to stop harassing any family and contact him directly. They have not done so, and seem to use this as a tactic. 

I have the VM but can not upload the file ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have a settlement with XXXX that I am repaying. I started this repayment in XXXX of 2018. XXXX has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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:
XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Act XXXX account number XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES 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 non-monetary relief
Consumer complaint received 2021-06-08
Company: Navient Solutions, LLC.
State: MA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Prosper Marketplace, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX  for {$3800.00} and XXXX   for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.

On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX  in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
there is incorrect info 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 explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: CT
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:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Removal date : 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 explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
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 have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX Equifax XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of america allowed a bank account to be opened in my name. I called and they stated there was no add'l account but i had several emails stating it was opened online. In the weeks prior to the account being opened, i received fraudulent charges and the bank of america representative was not helpful in helping me with my issues. I asked why this kept happening to me and how it was an inconvenience to have to continuously change my debit cards, they had no response and no way to assure me the account or my information was safe. Unfortunately, a bank account was opened and i received no guidance, I had to call back a few weeks later due to the fact I received a statement for said account and the representative i spoke to advised me to file a police report because they could not be sure if my information was indeed secure. 

Also BOA has been the absolute worse at NSF, they WOULD OVER CHARGE AND CONTINUOUSLY CHARGE 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 2017-09-19
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that this account below is reporting erroneously in Equifax. I do not remember having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete this straightaway. 


XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: ERC
State: MD
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:
Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Mountain Run Solutions, LLC
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:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from XXXX XXXX  titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to XXXX I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my XXXX XXXX through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by XXXX ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, 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