BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: ID Analytics, Inc.
State: OH
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:
THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. 
I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts deleted : 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, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Amsher Credit Collection Agency is still reporting my childs hospital bill as open and this was discharged in 2015 in Chapter XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Borrower finalized her divorce from the primary borrower on the loan, on /or around XX/XX/XXXX. 
Since then the secondary borrower have been paying the monthly mortgage payments. The secondary borrower have tirelessly presented financials and the ability to pay the mortgage, but the lender have continually rejected removing the primary borrower from the loan. Although the settlement agreement, as well as the divorce decree, have been presented to the mortgage company. 
Again, I requested a modification on/or around XX/XX/XXXX, and was denied because XXXX XXXX XXXX XXXX, dba, Home Mortgage Company because they factored in the primary borrowers ' income although the primary borrower was no longer in the home. Also, effectual documents were submitted to the lender along with their representatives. 
Most recently as XX/XX/XXXX through XX/XX/XXXX the above documents were presented to XXXX XXXX XXXX XXXXXXXX, dba Home Mortgage Company both to the refinance department also  assumption department. Yet both applications were denied, based on the foreclosure on the primary borrower in XXXX. This is not feasible to continue to carry the other borrower on a loan that he has not paid for in over nine years.

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 2021-06-23
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-31
Company: Asset Collections Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call the first part of XXXX from XXXX where she called my phone and asked to leave a message for my husband regarding a debt that he owed in Alaska to XXXX XXXX for over a XXXX dollars. She did not have permission from my husband to call me or leave a message at my phone. She then called me back and said that they also had an outstanding debt for me. She then called a few days later and I asked for the information in writing. I received a letter " FINAL DEMAND FOR PAYMENT '' saying that I owed XXXX   XXXX XXXX {$840.00}. I'm trying to find out how old this debt is as I can not find it on the court records for XXXX right now. 
She called yesterday and again today from a private number. She is calling me during work hours. She called and left a message at XXXX XXXX and then sent me a message to my email address to take care of this debt and resolve this within 72 hours or before they litigate this debt. I then got a message where she called my daughter this afternoon at XXXX and left a message with her that she is trying to get in touch with me over a debt. 
This is harassments. I have not had a chance to make any arraignments and she does not have my permission to contact my children. Sending letters that Not responding will lead to litigation is a threat!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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:
XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX, Equifax and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: IN
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:
today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or Experian. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my 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 2018-04-04
Company: Total Card, 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:
I paid the entire balance of the account off XX/XX/2015. I spoke with customer service they provided me with the codes and information to pay via XXXX XXXX. 

The problem is that the payment was not posted on the Consumer Credit Reporting Agencies as paid. It was initially reported as an un paid charge off. I complained they later changed the status as a charge off paid to another creditor. I paid the original creditor XXXX XXXX. I ended up having several heated exchanges with XXXX XXXX 's representatives. Eventually, I was able to speak to a representative from XXXX XXXX who assured me that the information would be updated and corrected on my consumer Credit Reports. It has not been corrected. A new creditor I believe who recently acquired XXXX XXXX is now incorrectly reporting that I have a charge off with their institution. 

I am concerned that the repeated reporting of incorrect information regarding my account with XXXX XXXX is a result of several contentious conservations with their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX LoanCare - https : //www.myloancare.com/app/index.html # XXXX has collected the county tax disbursement twice and never paid to the XXXX County, XXXXcounty trustee is saying they never received the excess or duplicate money and gave the letter to submit to the Mortgage company, in spite of calling several numerous times and emailing the issues several numerous times, the issue is never resolved We need our money back and need advice on how to get this money back XXXX LoanCare support number : Contact Customer Service XXXX Monday XXXX Friday XXXX XXXX. - XXXX XXXX. ET Saturday XXXX XXXX - XXXX XXXX. ET. 

Appreciate your help and support XXXX XXXX XXXX XXXX XXXX Loan NumberXXXX

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 2018-08-11
Company: Moneytree Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/2018 at XXXX hours ( XXXX XXXX ) I ( XXXX XXXX XXXX ) went to MONEYTREE, INC at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX, WINDOW - XXXX ( XXXX ) XXXX Transaction Number XXXX who have a contract with XXXX XXXX to wire various funds to various individuals and countries. On this specific day, I wanted to send money to my sister XXXX XXXX XXXX who lives in XXXX XXXX, XXXX XXXX, XXXX. The total amount that I wanted to send to her was {$3000.00} USD and the transaction was completed with a TRACKING NUMBER of XXXX. I was informed that I needed to call this number XXXX although I could not find this mentioned in the contract. I have made not one ( 1 ), but eight ( 8 ) calls to this number on XX/XX/2018 from XXXX hours ( XXXX XXXX ) to XXXX XXXX and each time I was placed on hold for more than an hour at a time. I did receive one ( 1 ) answer from a XXXX OPERATOR XXXX, who promised to call me back in two hours, this call has never been returned and it has been over five ( 5 ) hours ago. 
Just what the heck is going on and why is it necessary for me to call any phone number, and give the person who answers the TRACKING NUMBER and any other information that they may ask before the funds can be released to the party that I want them to go to? This is not right. I am demanding an answer as quick as you can get it to me, my e-mail address is : XXXX and my phone number is : ( XXXX ) XXXX. Thanks so very much.

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 2020-08-20
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:
XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX XXXX and Trans union. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX XXXX customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to 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 2022-08-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XX/XX/20XXXX XXXX XXXXXXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 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 2021-06-23
Company: Marlette Funding, 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:
These accounts don't belong to me. Please remove them form 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 BEST EGG Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements.

Company response to consumer: Closed with explanation