BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: KS
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:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my family

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 2018-03-03
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I think its because of this reason : This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the XXXX XXXX XXXX insurace I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back. I received multiple calls/cards telling me that if I didnt pay they were going to affect my credit, but like I mentioned before since I dont have the money to pay, theres was nothing I could do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: IMMEDIATE RECOVERY GROUP, INC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, My name is XXXX XXXX-XXXX. I have had 3 loans in my past from the Dept of Education. I had a subsidized, and an unsubsidized loan both of which were in my name. They were paid in full in XX/XX/XXXX and I havent heard or got any statements from the collection agency or the Dept of Ed to show proof of payment.Then, my mothers taxes were offset for her XX/XX/XXXX taxes. In effort to find out why, I called the agency which, at the time, was XXXX XXXX. They said the loan was in MY name and had MY birthdate but my MOTHERS social security number. To fix this, I sent my s.s. card and ID along with my mothers. Following, I hadnt heard back, or got a statement or anything so it was my poor choice to think it was out of default and I honestly didnt remember. I got pregnant towards the end of XX/XX/XXXX. So, my mother did her taxes the following year- which by the way, the collection agency wouldnt even speak to her because it was in my name- and her taxes were offset a second time. In fury, I called XXXX XXXX. They said the loan was taken care of and there were no further payments due and I would get a statement in the mail. Again, I received nothing. 

So, here we are, its time for my mom to do her XX/XX/XXXX taxes. Before she filed I called the US Dept. of Education just to be sure. They said to contact Immediate Credit Recovery Inc. because there IS still an open loan which is still under my name. I called them, they said this loan is now up to {$7000.00} and her taxes would be offset again. I was LIVID. I called and filed a complaint with the US Dept of Education and I called Immediate Credit Recovery again. They basically said they can not help me until I send my  information to them to fix the name on the loan. Im a single XXXX year old mother and theres something very unsettling about giving your social over and over to 3rd party agencies.

Then, I received a letter from the US Dept of Ed saying they agreed to settle this loan at the amount of {$5000.00} and no payments are due and the debt is considered paid in full. I couldnt have been happier! She filed her taxes, took that letter, and we thought everything was okay. Her taxes were now offset for the THIRD year in a row. I called the US Dept of Education and they said that letter was pertaining to a loan I paid in full in XX/XX/XXXX ( as mentioned earlier ). WHAT! 

My mother is a single mother as well and works her butt off. In no way is this fair or even legal for that matter and if I could afford a lawyer I would. But we cant catch a break and I desperately need help. Thank you very much for your time.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, XXXX XXXX the Executive Office XXXX XXXXXXXX to the XXXX XXXX XXXX XXXX of the WELLS FARGO verified my Account and Customership and same was augurred by XXXX XXXX of the same Office on XX/XX/XXXX. But for some unexplained Reason, the Customer Service, mentioned herein, was unable to a Check Cashing tithered in the Complaints. 

It should be noted that I received a Waiver of Exemption Check of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Dollars from the United States Department of Justice on XX/XX/XXXX as a Peremptory Exception to my Supreme Court Exempt, XXXX, Appeal in Nevada XXXX XXXX ( See, CFPB XXXX XXXX : XXXX for the Attachment of the Check, therein at-law. ) No Customer Services were able to cater to the Check Cashing, Complaint till date.

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 2020-12-11
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
closing disclosure indicated loan would fund on XXXX. Per my conversation with the lender, Better Mortgage this morning XX/XX/XXXX, the loan did fund on XX/XX/XXXX. As part of the loan package we reviewed the documents detailing how a refund would be processed. This page indicates the check " ... will be sent via 2-3 day express, ... '' 3 days ( business ) after XXXX is XXXX, it is XX/XX/XXXX and we have not received our refund of approximately {$1900.00}. A call to the settlement agent, XXXX XXXX XXXX ( an affiliate of Better Mortgage ) this morning, XX/XX/XXXX, yielded immediate hold music with no answer or even automated message indicating how long i would be on hold. After about 15 minutes, i hung up and called the mortgage company, Better Mortgage, the woman on the phone indicated that the settlement company was separate and that she would try to call. I expressed my frustration and indicated my intention to file a complaint with the CFPB. I was requested to wait till the end of the day, however i don't feel, that after waiting two days post the agreed upon date, that i should wait yet another day to have this resolved. A final call before clicking submit on this form got me to a voicemail. The Mortgage company called me back and provded tracking information, this tracking indicates a label was created on XXXX. No other updates have been provided. My assumption is that someone didn't do their job and now its my problem to figure out how to come up with the {$1900.00} that i had expected days ago. The mortgage company representative also indicated that the settlement agent said there was a 3day waiting period from the date of disbursement. My understanding of the laws surrounding rescission of a refinance transaction applies only to the time period after close ( XX/XX/XXXX ). So at this point I feel like i was lied to by the settlement agent ( through the conversation with the mortgage company. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX  XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX XXXX XXXX XXXX acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. XXXX XXXX XXXX reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.

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 2020-12-11
Company: CAINE & WEINER COMPANY, INC.
State: WA
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:
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase of a personal computer component ( graphics card ) in the amount of {$100.00} USD was made from an online vendor ( which turned out to be fraudulent ) on XX/XX/2020 using the Citi credit card that is the subject of this complaint. No further communication was received from the vendor ( including no order updates or shipping information ) despite several emails requesting information. No delivery was made to my address. The credit card was charged through XXXX and the initial dispute was filed with XXXX but XXXX deferred to Citi in XX/XX/2020. The vendor claimed in response to the dispute that delivery of the package was confirmed and provided a tracking number. I took this tracking number to the customer service department of the carrier and they provided me with documentation that the tracking number was not related to my name or address, and I forwarded this information to Citi early in the month of XX/XX/2020, and I was told that the rest of the dispute would be resolved after that ( see attached document ). Months later I called to check on the status of the dispute and a representative told me that the dispute was closed because I did not respond to a letter they sent me ( which I never received either in electronic or physical form ), even though I had already submitted all relevant information in XXXX and they were not asking for any new information. In summary, I provided timely proof that the disputed transaction was fraudulent and Citi is denying fraud protection.

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 2020-11-20
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We wrote a check to our mortgage lender, Bank of the West ( BotW ) on XX/XX/2020, but they took the wrong amount out of the check. The check was written for {$2000.00} ( I saw the canceled check on my mobile banking so I know it was written correctly ) but they only read it as {$200.00}. I fixed the problem with my bank where I wrote the check from, XXXX XXXX XXXX XXXX XXXX XXXX, and they took the additional {$1800.00} out of my account on XX/XX/2020, but it never made it to Bank of the West. BotW called me on XX/XX/2020 to say my mortgage was late. XXXX  said that BotW had to request the money as it was sitting at XXXX XXXX and they gave me a resolution letter number to give to BotW. I called BotW and I told them that I had paid the full amount and that they had to request the money but they would not help me. On the phone they told me to email which I did two days ago but have not heard anything back. I am lucky that I just went ahead and paid the amount again which I can afford to do but they charged me a late fee ( ~ {$35.00} ) and my {$1800.00} is still out in banking limbo somewhere.

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 2020-12-11
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition the company is reporting this account differently with all three credit bureaus, which I disputed and the company verified. Different information with three different companies can not all be accurate so it is very clear that the company verified inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: NV
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:
I reviewed a current copy of my credit report and I show inaccruate informaiton listed. I attempt to dispute item and I have not recieved any replies and it be pasted more than 60 days on account with in a viloation for FRCA timeframe. Please delete account Name XXXX Account number 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 2021-05-21
Company: EQUIFAX, INC.
State: NV
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:
I reviewed a current copy of my credit report and I show inaccruate informaiton listed. I attempt to dispute item and I have not recieved any replies and it be pasted more than 60 days on account with in a viloation for FRCA timeframe. Please delete account Name XXXX Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$84000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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: Account status incorrect

Complaint:
I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.

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 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get proof that an account that was sold to Portfolio Recovery Associates actually belonged to me, and that the amount showing as outstanding is correct. I disputed this with the company via all three credit bureaus, and also on phone calls dating back multiple years. 

I just received a lawsuit from them where my address is incorrect, and pages where they are proving the debt are missing and incomplete. The affidavit is signed by someone at the company, and includes inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: WA
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 paid Macy 's in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that Macy 's was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and XXXX  payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PLEA TO XXXX XXXX IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM 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