BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
On XX/XX/2019, I received a letter from Midland Credit Management , Inc . I almost threw the letter away because of the way it was sealed in two envelopes with no address on the outside of either. When I opened the letter I was amazed and shocked. Midland had purchased a debt from XXXX XXXX. I have never heard of Midland or this bank. This is the first documentation I have ever received from either of them. I noticed the wrong address on the envelope and had seen that address before on one of my credit reports and so I called them. Midland had requested a copy of my report. I have never had any indebtedness with anyone. I decided that my name had been compromised and went to work on " Identity Theft ''. I did find out that this debt company is not accredited and has the lowest of satisfaction " 1 '', the lowest you can go. Consumer affairs has given them an unaccredited brand. I was advised to call Midland, and against my better judgment I did call them and spoke to the rudest, unprofessional person named " XXXX ''. She very loudly started mumbling and I asked her to slow down, I could not understand a word she was saying. She would not. I was trying to tell her that I was questioning the bill sent to me. She did not seem to care and kept mumbling. I hung up the phone. I have started the process of calling difference agencies to protect myself. I have lived in the same house for years and have never had an overdue debt of any kind nor have I received any documentation of indebtedness from anyone. I am not and have never been, past due anywhere. I have excellent credit and do not want this company attacking or putting judgment on my credit rating. Is this FRAUD? A SCAM? I think so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX PNC bank withdrew {$340.00} from my checking account over a card dispute which was resolved. They took this money with no warning and pushed my account negative {$42.00} I have had three charges for less than {$20.00} each come through all of which caused and overdraft fee of {$36.00} each. I contacted PNC on XX/XX/XXXX as soon as I realized my account was negative and asked why they are allowed to withdraw money with no prior warning the response paraphrased was we are sending you a letter in the next 5 to 10 business days to inform you of this. I have just changed jobs and was depending on the money I earned to support my family and pay Bill 's I did not plan on giving PNC any of it. If I lost a despite then fine however a bank should not be allowed to withdraw money without and advance warming to the account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Account status incorrect

Complaint:
Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved 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 2017-12-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through 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 2023-05-30
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-05-30
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Problem with personal statement of dispute

Complaint:
UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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:
Medical bill is incorrect i have disputed it with the collection agency and they asked me to submit documents which I did and its under dispute, Experian keeps saying information is accurate when its not I have provided proof to both Experian and collection agency showing this is incorrect and this error needs to be taken off my credit report- collection agency keeps telling me to dispute it with the credit bureau XXXX I did 2 of them took it off expect Experian. Experian should Protect me from fraud and false information on my credit and they are not- when I asked them how does the dispute coming back as accurate they said we dont know ( I have disputed it 5 times ) I asked do you see any billing or anything showing this is accurate they said no ( recoded line ) If all other credit bureau removed it because it shows its NOT accurate why cant Experian? This needs to be removed and they need to do a better job investigating disputes by looking into actual bills and documents I have uploaded.

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 2020-11-29
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a 6 month forbearance and have set up a payment plan, that took weeks to do with Loancare because no one knows what they are doing and different information is provided with each call. Now I am trying to refinance my loan with another lender, to rid any affiliation with XXXX/Loancare, and they are reporting I am behind in payments though I paid {$5000.00} in XXXX and {$8700.00} in XXXX. The payment plan was supposed to be {$4600.00} ( double payments ) for 6 months. I have paid far more than required according to the payment plan but they are holding extra money paid in a " suspense account '' until the forbearance is completely caught up instead of applying to the funds directly to a payment or paying the current months payment. They are also holding our property taxes in an " escrow overdraft account '' and the property taxes are paid through our escrow and was not supposed to be held separately. I have been unable to close on the refinance because of the information Loancare is reporting to the credit bureau and because they are showing my account as delinquent and behind in payments.

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 2022-11-07
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/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 2019-10-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Yo whom it may concern Im having a financial hardship situation at this moment and my grandmother is sick and hospitalized in the hospital and need medication and a XXXX and I have to cover those expenses.due to my financial hardship situation I cant afford to pay the overdraft fee as Im struggling to pay for my grandmother medication and XXXX I would like to ask us bank to help me wave this fee as a courtesy as I cant afford to pay that fee over draft fee but I am able to deposit the negative balance amount to have my account back to current I was not aware that the person who I endorse the check would actually deposited yesterday and would cause me an overdraft fee usually when a check is deposited it takes from 1 to 3 business days to clear out but that check was endorsed since agust and just cashed out and affected me to be overdraft when Im struggling financially due to my grandmother health emergency situation. Please 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 2019-10-29
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted via XXXX that I was interested in purchasing XXXX XXXX tickets for a show in XXXX, XXXX On XX/XX/19 I was contacted by a seller that had tickets. We bartered and came to an agreement for {$120.00} per ticket or {$250.00} total on XX/XX/19. The seller sent pictures of his XXXX account and the 2 tickets he was claiming to sell. He claimed he could send them immediately. The seller wanted to use the app Zelle. He claimed it was safer because it was backed by the big banks. As a consumer I thought this would be one of the safer applications for XXXX payment. I paid the seller for the tickets but the seller never sent the tickets. I have tried multiple times to contact the seller since the initial transaction. The payment was still pending the next XXXX and I immediately contacted my bank, XXXX XXXX XXXX XXXX, to cancel the transaction. They said they couldn't cancel the transaction but that we could dispute the charge. I went ahead and started that process. I contacted Zelle and they said that the app is designed only to pay friends and family and not intended for the sort of transaction I completed. The best they could do was to blackflag the other user. To my knowledge they did this. About a week later my bank sent me the decision that, they could not dispute my charge because it was authorized by me and in Zelle 's terms and conditions the app should only be used to pay friends and family and financial institutions are not responsible. My bank admits I was victim of a scam but claim there is nothing that can be done. I find this policy to be a cop-out for both banks and Zelle. I have researched and seen that when a users Zelle account is used fraudulently, they can reverse those payments. This means that they have the technical ability to reverse this payment. I also feel that my bank should have the resources to figure out which financial institution my payment went to, and can contact them to recoup the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or had No attempts to contact me even made. This is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was a victim of hacking and my bank card information was stolen and used on XX/XX/2019 to make charge to these businesses on line with the amounts shown on that date :. 
XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. {$62.00} 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. {$49.00} For a total of {$920.00} my figures could be incorrect but they are closer than US Direct Express Bank figures and I recovered {$430.00} on the XXXX of XXXX and that money was put back in my account I tried contacting that bank then but was unable to it seems they have an overload of calls nearly all the time. When I finally got in touch with them on the XXXX I filled a fraud claim and they wrote me back on that date with the attached Statement and on XX/XX/2019 I recieved another statement saying that my money had been refunded and my case was closed. The money they are talking about is not the money they were supposed to get back the money they are talking about is monies that was returned before I ever filled a fraud complaint with them and before I first contacted you people, when i talk to them all they do is make me mad because they lie to me or make me mad enough that I say something they don't like and hang up on me and yes they do lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-10-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer PHH Mortgage has accepted and confirmed the submission and that the file for XXXX XXXX was complete and no further documentation was needed or required on two occasions with PHH Mortgage. The 1st date of complete mortgage assistance package confirmation was XX/XX/2019 by Mr. XXXX ext. XXXX. The 2nd date was XX/XX/2019, which was confirmed by via phone conference with PHH Mortgage representative, XXXX ID # XXXX on XX/XX/2019. 

2 ) PHH Mortgage on XX/XX/2019 then states by verbal communication, that the file was not complete and still needed additional documents to be sent. This places Mr. XXXX review of mortgage assistance within 6 days of an unwarranted sale date that was put on record for XX/XX/2019. The sale date of XX/XX/2019 was put on record while the file was in review and final review. However more than the two dates mentioned above PHH Mortgage has stated the file being complete only to then, come back later and ask for more conditions, all while continuing the process and scheduling of a foreclosure date.

Company response to consumer: Closed with explanation