BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of idenity theft.

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 2018-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First of all, Portfolio Recovery calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XX/XX/XXXXXX/XX/XXXX!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by Portfolio Recovery which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had serval store credit cards with Comenity Bank with Balances no more than XXXX. because of covid 19, I had my work hours reduced last year around XX/XX/2020. I called the bank and got enrolled in a Hardship program wich they were collecting automatic payments from my checking account. around XXXX or XX/XX/2020 I received a letter saying that I failed to pay and got me off the program raising my accounts with late fees a higher balances they lied I never failed to pay they send me letters for each account. I called and talk to a customer service and explained what had happened and she said if I don't pay all the accounts will go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I understand with FHA loans. After 6 years PMI can be dropped. They will not drop it. My house appraised at {$220000.00}. I owe {$120000.00}. I have never been late and never missed a payment. They will not remove my PMI can you help get this removed?

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 2018-02-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ocwen is attempting to foreclose on my home with a fraudulent assignment. the assignment is robo signed and was conveyed after the cut off date of the trust filed with the united stated securities exchanged. i contacted them for a modification they sent a work out package i sent it back in as instructed by the relationship manager. i called them and they said they were reviewing for assistance. Nonetheless the didn't modify the loan and trying to foreclosure before even giving me an answer on the loan mod. this is dual tracking. i have a fraud affidavit on the assignments being used

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( 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 2020-05-19
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: Information belongs to someone else

Complaint:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

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 2018-12-24
Company: Choice Recovery, Inc.
State: OH
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:
Dear Cust. Relations Mgr., I ask that you provide validation for account history information transmitted to any CHOICE RECOVERY INC # XXXX consumer reporting agencies for me, XXXX XXXX , for the so-called account number CHOICE RECOVERY INC # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CHOICE RECOVERY INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wellsfargo charge for overdraft excessive fee.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.

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 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
back in XX/XX/2018 I contacted Transunion, XXXX   and XXXX sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved

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 2021-07-18
Company: Experian Information Solutions Inc.
State: MD
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 False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.

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 2020-09-23
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened. 

Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent. 

I met the account opening bonus criteria. 

Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail. 

I've also emailed the " executive escalations '' group at Citibank, and that didn't help either. 

Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.

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 2020-09-03
Company: EQUIFAX, INC.
State: FL
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:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sued by Wakefield and Assoc. for medical debt. They served my ex, where I didn't live any more. Upon receiving garnishment papers at my work I attempted to work out paying off the debt. Unfortunately I was unaware of where they were applying my payments, they manipulated moneys to a really old account in order to try and keep it in statute. Keep in mind I paid these people close to {$3000.00}. I tried at every turn to work with them and settle. They wouldn't settle the last debt because of a {$70.00} difference. The account is over 7 years old, they can not collect legally, and they have not attempted to. I disputed it with Credit Reporting Agencies ( XXXX, XXXX ) but Wakefield is constantly changing payment and reporting info to keep it on my report. They have reported " no payments '' on this account, changed dates, threatened legal action-out of Colorado Statute, and lied about placement of payments. These people will try anything to destroy your credit or hold you hostage, and they will refuse a settlement over {$70.00}, that is how they operate. Disgusting.

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 2018-12-24
Company: Experian Information Solutions 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:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

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 2018-06-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I ordered a copy of my Experian credit report. After noticing many inaccuracies, I wrote the company via first class mail and provided a valid copy of my Nevada identification with my complete mailing address as well as a current utility bill that beared the same address disputing ALL the inaccurate reported addresses. 

My credit report was reporting 59 addresses! I could not verify where these addresses came from and disputed them as inaccurate, outdated, unknown, not mine etc. I received a so-called updated report some time later and my report was STILL showing inaccurate addresses. I sent a follow up letter via first class mail on XX/XX/XXXX again explaining that I was NOT associated with the addresses that were reporting. Again I provided a current copy of my NV identification as well as a current utility bill. I cant understand how a person can live at 59 places at once. I have provided the necessary paperwork to verify my identity and I received a report as of XX/XX/XXXX with the same inaccurate information. 

I am not associated with any of the addresses other than the one I provided proof for.

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 2018-05-29
Company: ABR Recovery Services LLC.
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: Account status incorrect

Complaint:
In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my XXXX credit report. I immediately filed a dispute with XXXX  stating the account was not mine. I was informed by XXXX that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. XXXX contacted me again to say that the collection agency still reports it is mine. I was told by XXXX to contact the collection agency because XXXX does is contact the company and the company says it is mine an that's the end of the story. I contacted ABR, albeit reluctantly because I felt like XXXX did not do their due diligence and I am afraid of repercussions from the collection company and XXXX. At ABR I spoke with XXXX who stated that the account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with XXXX was over 700 and now it is down to like XXXX. That should not be allowed especially because it is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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 requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, Transunion responded to my CFPB complaint # XXXX stating that they called the credit grantor and verified two account that are inaccurately reporting on my Transunion credit report : 1. XXXX # XXXX 2. XXXX XXXX  # XXXX On XX/XX/2018, XXXX responded to my CFPB complaint # XXXX regarding the exact same accounts. They also called XXXX and XXXX XXXX and informed them of my dispute. As a result of XXXX  thorough and complete investigation, the above-mentioned accounts could not be verified, and have been removed from my credit report. Its quite clear that Transunion is not doing a thorough and complete investigation, which Im sure, is a violation of the FCRA.

Transunion has had more than enough time to conduct their investigation, and Im still waiting for the evidence proving that these accounts are mine, or that I have the liability, responsibility or ownership of the above-mentioned. 


Transunion need to delete the accounts now. 

I have attached XXXX  response to my CFPB complaint and their investigation results dated XX/XX/XXXX confirmation # 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