BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: AZ
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:
On or about XX/XX/XXXX, A settlement was mailed and initiated in the form of a cashiers check. This check had a label that identified its intentions and specific term of the settlement. ( See attached ) On XX/XX/XXXX, XXXX XXXX XXXX deposited the cashier check into their bank account. XXXX XXXX XXXX breached the contents of the settlement by refusing to abide by term # 1 and term # 2 listed in the agreement. XXXX XXXX refused to remove the account listed as charge off by the time implicated in the agreement. Currently, all three credit bureaus list the account as a negative account, under charge off status. On my Experian Credit report XXXX XXXX falsified the account number to keep the account in Negative standings, and this account is listed as " settlement accepted ''. On my XXXX credit report, First list this account as a " Charge Off ''. On my XXXX account, XXXX XXXX list my account as a opened account in " Charge off '' status. On XX/XX/XXXX @ XXXX MST, I called the Collections team @ XXXX to alert them to the negative still standing on my credit. I was told by a representative named XXXX-ID # XXXX, in the SOP Collections Dept. That they " don't care what my settlement stipulated or said, they do not honor a pay to delete ''. These willful, malicious acts of negligence also is a direct violation of the FCRA [ 15 U.S.C. 1681s-2 ]

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 2018-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX. I called the phone number a voice came on and said what is your social security number with no explanation. On XX/XX/XXXX I sent a letter to the company requesting why they obtained my credit report. The company has not responded. I do not recognize this company.

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 2021-02-03
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:
I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX ) is included in my bankruptcy case which is not supposed to be, I contacted Transunion, XXXX  and XXXX and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.

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 2018-02-05
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never paid for this company for anything there are stalking my credit it's not mine I told them To cancel before I don't kno anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and W2 to complete investigation. I will attach a copy of the identification proof in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX someone took a loan out online using my personal information with Speedy Cash, a payday loan company. The amount due was $ XXXXI was first informed of this when I received a past due bill. I called them and let them know it wasn't me. They said I would need to file a police report. My local police told me since it was an online crime to file with Identytheft.gov which I did. I sent information to them and Speedy Cash in XXXX XXXXSInce then they have turned this account over to collections. I went back to local police in XX/XX/XXXX and filed police report. They never let me know any information about the account other than the amount due. I never signed for any loan with Speedy Cash. I have since retained an attorney to try and rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several back-to-back phone calls from +1 ( XXXX ) XXXX on XX/XX/2019 beginning at XXXX XXXX. Every call would ring my phone once or twice, but before I could answer, they had ended the call. This was highly inappropriate as I was at work and with customers. After work, I XXXX the number, and discovered it was Portfolio Recovery Associates. A debt collector. I do not owe any debt nor do I have any dealings with this company at all. I guess they think its amusing to repeatedly prank call my phone at least five times within a ten minute period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: American Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed several Debt Validation/Verification letters on XXXX and XXXX to american credit bureau inc for a debt in the amount of {$650.00}. I sent these letters with proof from the post office to verify receipt and still have not received a response and/or the documents requested. I have complied with all credit reporting laws and have given them the appropriate time by law for them to respond.They have failed to comply with the laws of the FCRA for not sending me Validation/verification of the debt. I would like for them to delete from all credit bureaus.

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.

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 2017-11-29
Company: National Credit Systems,Inc.
State: AZ
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:
This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-04-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, which they have! 
However, the credit reporting agencies have violated the FCRA and continue to do so EVEN after speaking with them 3 times!! They have received communication from myself and the creditors but when speaking with them they have advised that they can not and will not delete the inaccurate information. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request immediate correction of the error described below to the mortgage on my property at XXXX  XXXX. I have spoken with the Utah State Financial Division and they are willing to get involved. 

My Mortgage was transferred from XXXX XXXX  on XX/XX/XXXX. I have had that mortgage for nearly 5 years and never missed a payment once. The payment was scheduled to come out on the XXXX of every month for those 5 years. LoanCare attempted to take my payment out on the XXXX. I never received a single phone call, which according to the state of Utah is out of line with the law. 

Subsequently my auto-withdrawal was canceled without me knowing. I then got an EMAIL from XXXX  to let me know that I was two months late on my mortgage. I never heard a single word from your company that this error had occurred. 

Not only was the payment attempted to be taken out on the wrong date but the 60 day grace period was never applied which is law as well. Multiple errors have been made. 

I am in the middle of purchasing a business and need this rectified immediately. I was told this would reflect corrected on my credit but it still has not done so. This was your error, not mine. I need a letter sent to all 3 credit bureaus to have this reporting reversed. Please make this right. I have called weekly for months now.

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 2020-12-15
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. Fed Service Loan has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. Fed Loan Service Co is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Officer REFUSAL OF WORLDREMIT TO REFUND REMITTANCE I write to officially make a complaint regarding the refusal of WorldRemit ( an online financial remmitance company ) to refund a remittance the recipient did not receive. 

On XX/XX/2020, I used the services of WorldRemit to make a series of 3 transactions, each worth {$870.00} plus service charge of {$0.00} totalling {$870.00} each, to two separate accounts belonging to a relative in XXXX. Two of the remittances were sent to the XXXX XXXX account and the third was supposed to have been sent to the XXXX XXXX XXXX ( XXXX ) account. Both of these 2 accounts belong to the same person and are linked to 2 separate phone numbers. The XXXX XXXX equivalenf each of these transactions ( {$870.00} ) is XXXX XXXX All 2 of the remittances that were intended for the XXXX cash account were acknowledged paid in my WorldRemit account on the same day XX/XX/2020, debited to my XXXX checking account on XX/XX/2020 and duly received and credited to the XXXX cash account on XX/XX/2020 and XX/XX/2020. 

However the 3rd remittance intended for the XXXX XXXX account even though was acknowledged paid on same day XX/XX/2020 in the WorldRemit account, debited out of my XXXX checking account on XX/XX/2020 was NOT credited to the XXXX XXXX account and has not till date. 

I subsequently made a report to WorldRemit and they acknowledged that it was a technical issue and that they would initiate a recall of the funds. 

After repeated reminders to WorldRemit through phone calls and emails and several assurances through same that they were working on the issue, I received an email on XX/XX/2020 that they were unsuccessful with the recall and thus wont be able to refund the funds back to me. 

My and my relatives checks with both XXXX and XXXX after an investigation indicated that no such 3rd remittance was received by either company. They have provided account statements ( which are attached ) to support their assertion. 

And as of today I have not received any refunds and any notification to that effect from WorldRemit I am therefore requesting your good offices to compel WorldRemit to refund to my account or to me an amount of {$870.00} plus service charge of {$0.00} for failing to remit the funds as requested. 

I have attached all relevant documents to support my claim and to solicit your help with same. 

Thank you for your consideration and every assistance in this regard is very very much appreciated Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity 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 2022-08-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company WELLS FARGO BANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2018-03-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.

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