BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX XXXX, and Experian credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported to XXXX that the Date Of First Delinquency is XX/XX/XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and Experian  to reconcile my credit file as to account number XXXX to be consistent with that of XXXX 
3. XXXX XXXX XXXX sold account number XXXX to XXXX XXXX as of XX/XX/XXXX which clearly state the intent of XXXX XXXX XXXX and its expressed date of first delinquency as " XX/XX/XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the DOFD is ( XX/XX/XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

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 2021-11-09
Company: Riverview Law Office, PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from River Law Office in the spring of 2021, and it included a settlement offer of my original debt. Due to my employment situation, I was unable to pay them until XXXX of 2021. I was still in contact with them, as I question if this amount was already paid. I asked for an itemized statement in XXXX to be sure I was not paying twice. I did not get that letter, although they stated it was sent. 
In XXXX of 2021, I paid the settlement offer amount because I didn't want any negative impact of the delay. I resolved to the fact that the debt must be owed, despite not getting the itemized statement. 
I then received a call from a supervisor regarding my payment. When I called back I was told they didn't process my payment because the amount was not full. They informed me another {$300.00} was added to my account in the summer. I offered to pay my settlement amount and the {$300.00}. Riverview told me the settlement offer had expired, and they sent me the letter during tax time-claiming it was a tax special. I asked for a reconsideration of the original amount, as the letter did not state the offer was a tax-special, or temporary, or would expire. I was told no, and that I could contact my healthcare provider for more settlement opportunities. I called my healthcare provider billing department and they said they could not offer settlements. I had to handle everything with Riverview. Riverview has not processed any payment because they want more money than they offered me. I am asking them to honor the settlement letter and accept the lower payment they offered in writing- without time limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX A/C # XXXX XXXX XXXX A/C # XXXX XXXX XXXX   XXXX XXXX A/C # 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 2017-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing my EXPERIAN credit report, I noticed a collection account listed as XXXX XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from 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 2020-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Iwas a victim of identity theft 5 accounts were opened during XXXX. I was in a Ca. XXXX. XXXX  XXXX XXXX. XXXX XXXX from XX/XX/XXXX until I XXXX  on XX/XX/XXXX. I sent all requested papers, pictures etc. that the involved companies asked for to show them my exact whereabouts during these fraudulent acts. Sent the companies the evidence 2 seperate times. 2 of the companies still have not removed the incorrect statements or recalculated my credit score to reflect the proper scores. XXXX XXXX  and XXXX. have not deleted the fraudulent activity on my report. Additionally I requested copies of all account applications, transactions, payments or anything they had recieved in regards to the accounts that were opened during XXXX while I was XXXX  in a Ca. XXXX XXXX. It is very sloppy, unproffesional and almost seems intentionally vindictive to me that these 2 companies have recieved what information they deemed satisfactory to correct this issue and still they won't correct my report! 3 companies have corrected this but XXXXXXXX XXXX and XXXX XXXX stilkl haven't done not only what is fair and just but what they said they would do.Believe it or not I have many other things I need to be doing.

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 2021-11-09
Company: SANDY SPRING BANCORP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wife was victim of a phone scam. She sent money via our banking app, but we immediately identified it as a scam and tried to contact the local branch of Sandy Spring Bank. They refused to assist in the cancellation of the illicit fund transfer or assist in any sort of fraud reporting. We have lost {$500.00} to a scammer and the bank has done nothing to assist despite being notified immediately and having the ability to halt the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was under the impression I was talking to a military friend on XXXX who supposedly made a huge sum of money investing in XXXX XXXX. His broker was XXXX XXXX. He referred me to her. 

On XXXX XXXX at approximately, I sent {$2000.00} via XXXX to an account registered to XXXX, XXXX, according to the XXXX XXXX. She was serving as a Broker for a website called XXXX 

The website looked like it had a legitimate account dashboard, and it was hard to believe I had made $ XXXX from a $ XXXX investment. I proceeded to make a withdrawal, but then XXXX contacted me and said I had to pay $ XXXX in XXXXXXXX XXXX fees. 

I proceeded to send another XXXX transaction in XXXX disbursements of {$1500.00} to a XXXX XXXX for XXXX XXXX  fees on XXXX XXXX. 

On XXXX XXXX I sent another XXXX disbursements of {$1500.00} to XXXX XXXX for more fees ; however, when I went to withdraw my supposedly new earned profits, I was immediately locked out of my dashboard on the website, and I could no longer contact XXXX on XXXX. Additionally, I was locked out of my XXXX the same day because it had been hacked. 

Friends on XXXX reached out and said that they were being with the same XXXX XXXX investing opportunity through my social media platform. 

I finally reached out to my friend via correspondence who mentioned his XXXX account had been hacked, and that he had fell for the same scam. 

On or about XXXX XXXX, I filed a claim with Bank of America ( BOA ), and the claim was denied because the bank is saying I authorized those transactions. As a courtesy, they would try and recover funds from the other banks the funds were transferred to ( XXXX, XXXX, and another BOA customer account ). 

However, after reading Regulation E of the Electronic Funds Transfer Act, I believe that this is covered under that regulation as it meets the criteria for fraud. Please help me resolve this. It seems that several other consumers are falling victim to these XXXX transaction scams. 

On XXXX XXXX, I called BOA and was told that they could not recover funds. I filed a report via XXXX, and I havent received a response.

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 2020-12-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX  is reporting to my credit report. It says it link to my address at XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thats false, they sent me some bank statements that dont belong to me. I will attach those statements below. Which means this account should be deleted. The address on the statements is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This address is not connected to me at all. So this is a violation address discrepancy and I demand this item to be deleted immediately. I also would like all documents you received from them that verify this account is accurate from your last investigation.

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 2020-04-25
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. 

A solutions is PNC can allow one phone to be associated with multiple profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had many years Wells Fargo checking account, and no reason whosoever they closed my account XX/XX/XXXX and all money just gone. Even I provided all information to the local branch, my Military ID, Passport, Social Security and Driver license they anyway closed my checking account and approximately about {$10000.00} was just gone. 
Wells Fargo put my family at risk without any money to survive, without food. I was not able to pay mortgage and car payment even with my XXXX credit score, I never late in payment. 
Then I received email you have XXXX balance in your checking account. I visited local Wells Fargo twice to try to resolve strange issue made few calls and I still have no answer where my money disappeared.

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 2022-04-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be.i have not been able to get help from them since they have been offline and so response from email.i use PayPal frequently and my email is linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-04-01
Company: Aargon Agency, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX2022 Aargon Agency flagged my credit report for an electric bill, in an entirely different state from where I live, and now thinks I'm going to pay them {$350.00} for something I have no knowledge of. I've never lived at this address, got mail here or is it associated with me period. I don't know who lives here or where it is actually. I need 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 2022-04-01
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in continuation of the complaints : XXXX and XXXX. First I want you for responding to my case. During the original XXXX package requesting a deferral plan the company sent out a person to my house on the start to inspect the house to get it ready for foreclosure. In your last response I was given the an application to file en exception to start a repayment plan or deferral plan/partial claim. This was XXXX  back and when I called a few days later I was told this package didn't mean anything and it will be denied. In later calls, I finally got a hold of someone to set up a repayment plan. This was a 3 month repayment plan paying {$90000.00} for three months. This was to start XX/XX/XXXX and and the XXXX payment on XX/XX/XXXX and the third is currently scheduled for XX/XX/XXXX. I made the first payment on XXXX and last Friday ( XXXX ) I received a call from the company that they are reviewing my application and it could take 30 days. I didn't know what to say because I was not aware. I told her that I was accepted on the repayment plan and she said she was not aware. I am not sure these guys are on the same plan. I asked her to kept me informed and when I checked the website a few days ago the package was denied. No one talks to me on what they are looking for to move forward. They say they will work with you and never tell you want can be done to move forward. Then a couple of days ago another person per the request of the servicing company came out to inspect the house for foreclosure. I am on a repayment plan so why would they be sent out?

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 2021-11-09
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2021, I made my regular mortgage payment plus {$50000.00} to be applied to principal. I have continued to make regular payments on time since that payment. New Rez/Shellpoint misapplied the payment and believes that I missed a payment. The monthly payment is {$440.00} and there is over {$1000.00} in a suspense account not applied to my mortgage. I made phone calls, spoke to a representative and hung up the phone thinking the issue was resolved on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I received a forclosure notice dated XXXX/XXXX/2021. I received a phone call today ( XXXX/XXXX/2021 ) asking for payment to prevent foreclosure and when I explained the situation the female representative said that I was just on a list for her to call and then hung up the phone on me. I called back and spoke to a gentleman who put me on a lengthy hold and then came back saying that there was an issue with their phone system and could not help me but suggested that I call back tomorrow.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. 

I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company account resolution services failed to validate the debt I asked for validation not verification

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 2020-12-20
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am at work during the day and I have asked for western finance to call after XXXX XXXX  and they continue to call throughout the day leaving several voicemails and contacting my references ( daughter ) and giving out my personal information

Company response to consumer: Closed with explanation