BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, I got a call, while at work, from the XXXX County District Clerk office and The phone number was XXXX, which I XXXX  and confirmed the number is real. The " clerk '' advised me that they were trying to serve me with a paper, but I haven't been home to be serve. They also said I was being sued for Fraud and to called XXXX with this XXXX # XXXX for more information. When I called that number, A lady name XXXX said she was paralegal and they were a law firm, then asks for the case number. Once I gave it to them, She verified my first and last name, address, and my full social security number to me ( I did not offer that information ) and also that I haven't been serve yet. She said that XXXX XXXX XXXX is suing me for fraud because I didn't pay them and I had the intend not to. They kept asking when I will be home to serve me. I ask is there any way for me to not be serve and offer to pay it. They said they will ask and put me on hold for a while then said yes, if I paid {$1700.00}. I went ahead and paid it and they have a collection company ( National Management Recovery Corp. ) emailed me a receipt. They never told me the name of collection company. they claimed they will cancelled the lawsuit. After getting off work, I thought about it and realized it may have been a scam and I try to contract the County clerk office to verified the lawsuit but no one answered. I believe that it was a collection company misrepresenting themselves has a law firm. I called my bank and cancelled my debit just in case the try to charge me again and the bank said the transaction was a medical company, so they are looking into it. I attachment a screenshot and you can see where the XXXX XXXX clerk call me and the receipt I got from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I opened an American Express XXXX XXXX through a bonus offer to earn XXXX XXXX points after spending {$4000.00}. I have held many Amex cards in my life, and use them both for personal and business spending. My husband and I own several businesses - including a real estate business, food service business, and a vending machine business. 

I made thousands of dollars of charges on the card and met the spending requirement of {$4000.00} in mid-march. I confirmed this with an agent who informed me the points were in the process of being transferred. Unfortunately during this time I received a refund from a merchant which dropped my spending amount below the threshold required for the bonus. I did not discover I had dropped below the requirement until chatting with an agent later in the month to inquire about why the points hadn't posted yet. They informed me about the refund, and also informed me my account was under review and all charges were being reviewed to make sure I actually met the bonus spend. 

Since then I put significantly more charges on the card and once again confirmed with an agent that I had again met the spend requirement. However, I was now told all of my Amex accounts were under review and they could give me no information about my XXXX bonus. I asked for why my account was being reviewed and they provided no information. I asked if I would be getting the bonus that i had earned on the XXXX   and I received no information. I seem to be being told that my account is under review for abuse, which I don't understand because I achieved the bonus spend requirement fairly. Amex seems to be refusing to provide the bonus that was advertised in the application, and likewise doesn't inform me why. 

I need some help in communicating with Amex to get a clear answer as to what is going on with my account and why they are not providing the bonus on my XXXX card. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Reporting company used your report improperly

Complaint:
Attached you will find detailed dispute docs detailing the inaccuracy and the validity of the debt collection attempt. Let 1st say that this account was removed from my XXXX consumer report due to the company performing a thorough verification and validation. So I question what was your verfication process. I don't see anywhere that states where the account was last verified. I don't see a ( n ) account status on this report either so is it reporting open or closed. Account is showing a balance owed yet I have never receivied a 1099-c from the " original creditor ''. The dates last active on this reporting are egregiously inaccurate and of course according to US 1681 everything has to be 100 % accurate on my consumer report. How is that so if the account was properly investigated. I'm willing to battle this to no end to clear my name and preserve my positive consumer rating!! Delete this crap 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 2019-04-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2020-01-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX. I went to a wells fargo branch in XXXX, CO to make a withdrawal on my savings account. 
I came to find out that the bank closed the account, because according to them, it was dormant due to inactivity and the said they transferred the money ( total amount of {$2300.00} ) to the Unclaimed property department of the State of FLORIDA on XX/XX/XXXX. 

This is absurd because they had all my contact information and I never received any documentation that they where going to close the account! and also because it's a savings account ( so is supposed to not have activity ). And I am sure that the account had activity in the past 5 years ( but I have no longer online access to print it out ) That same day the branch rep sent me to XXXX to claim my property. I been looking for it until this day XX/XX/XXXX. My name or my property is not there. I contacted unclaimed property and they said that they can not start a case until my name appears on the website. 

its been over 7 months, I have gone multiple times to wells fargo ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to get them to help and give my money back. They said they transfer the money, but the state of FL says they don't have it. So my money is on " limbo '' and I have to suffer the financial consequences. 

I place complains in the branch, and ask them to give me my money back and the answer is always the same. To go to a website that does not find my name or money. I really need my money, I have done all in my power to get it back. 

I need the bank to be responsable, at this point I feel like they stolen money from me and they have to help me get it back, I can not keep waiting for month to get what is my money. 

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-04-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My husband and I were unaware until XXXX that our mortgage company did not remove title and that they did not foreclose on XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Our bankruptcy was completed XXXX of XXXX, we moved out of the house XXXX and moved to Florida. On our bankruptcy our attorney checked retained to give us a year to complete our XXXX XXXX and have our children placed with other families. We contacted XXXX XXXX who was our mortgage lender to let them know to foreclose on the property. We did not hear anything from them until last year when I learned that they didn't re-title until XXXX. I informed Rushmore XXXX that we had a bankruptcy and provided them with the documentation. I have recently learned XX/XX/XXXX that they are reporting the debt on our credit report and refuse to remove. I filed a dispute and they are being uncooperative. 

We need help to remove this debt and also change the date in which we owned the property to XXXX. We were not in the home and it is not our fault that the loan was sold several times and that XXXX XXXX was being sued. We did what we were suppose to do and now they are preventing us from purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX 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 non-monetary relief
Consumer complaint received 2021-09-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account online with BB & T bank on XX/XX/XXXX as a result of a promotional flier I received in the mail. I deposited {$50.00} via an online transfer, and then tried to deposit $ XXXX in the account in person a week or two afterwards. However, when I went to the branch I was told that the account was frozen due to fraud concerns. The branch manager said he would look into it and call me later, but he never did. I forgot about it for a few months and then I got a notice saying that the account was negative due to monthly fees. According to the bank, the account was frozen and never fully opened so I don't see why they were charging fees. I just recently received a notice that they are sending the negative balance to collections and will seek to charge another {$30.00} fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Resurgent Capital Services L.P.
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX and I am the daughter and successor of interest on the loan. Wells Fargo is fully aware. 

I sustained economic hardship during Covid-19 and took the 18mos mtg. forbearance requesting the option of having the 18mos. payments placed at the end of the loan 's maturity date. The forbearance is up this month and I have been in constant contact w/Wells Fargo for weeks making them aware that I am ready to resume regular payments XX/XX/XXXX as was my choice and always was my choice.

Wells was constantly sending letters addressed to me re : options and were always in full agreement w/my choice. I called again yesterday and was told by a XXXX  XXXX  ( Home Preservation ) that I MUST assume the loan and accept a loan modification. That was never my choice and is not my choice. She stated I have no other option because I am a successor of interest. After a 3 hour phone conversation of arguing, I finally spoke w/a XXXX XXXX ( Home Preservation ) who when I told her to read up on CFPB 's XX/XX/XXXX Successor of Interest rules where as a successor of interest has the same rights as the original borrower and also FHFA head XXXX XXXX XXXX stating the same, she relented and said she would contact a underwriter and try and expedite my choice of options? She said it would take 7-10 days and would require an appraisal be done? Also, she could not guarantee I might be denied? When I questioned why would I be denied, she had no answer. This is ridiculous. Please, help me. I have attached the PDF documents that XXXX @ XXXX  XXXX  requested. 

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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