BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: MO
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 have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the following the account XXXX/XXXX. Please investigate to ensure there is no fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Transcontinental Credit & Collection Corp
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX   took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX has garnished my wages for something I never got a summons for. I have no idea what it is.. it is 40 % of my paycheck. I can not pay this. 

help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run my credit.

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 2019-05-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$320.00} -This is not my account.

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 2019-05-27
Company: EQUIFAX, INC.
State: LA
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:
I have never missed any payments on the following account XXXX XXXX XXXX.  Please investigate to ensure the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: SIERRA PACIFIC MORTGAGE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I formally requested removal of PMI for my mortgage stating that Ive reached 80.0 % LTV. My mortgage is held by Sierra Pacific Mortgage and serviced by XXXX. 

On XX/XX/XXXX, I received a letter from Sierra Pacific Mortgage stating some conditions for PMI removal. Among those conditions were that a ) for primary residences loans, less than 5 years old require LTV of 75 % and b ) for multi-family residences the required LTV is 70 %.  They also stated I would have to pay for an appraisal. 

My mortgage disclosures from Sierra Pacific at the time of my mortgage closing very specifically state that my required LTV is 80 %, at which time I can request PMI be removed. The Sierra Pacific Mortgage website for my loan also states this 80 % LTV. 

At no point prior to receiving their letter was any 70 % or 75 % LTV requirement mentioned. 

I called Sierra Pacific repeatedly to address this issue. I talked the front line support about this and they would not put me in touch with the PMI department. They told me my PMI cancellation request was denied and that I needed a mortgage balance of {$440000.00} ( 70 % ) LTV to remove PMI ( my property is a two flat ). 

At this point I escalated the issue to a supervisor ( XX/XX/XXXX ). I was transferred to XXXX XXXX. He told me that he would reach out to the PMI department and get me more information in 3-5 days. I called XXXX XXXX on his direct line ( XXXX ) and left him message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He did not answer or return any of my calls. 

At this point Ive hit a dead end. I cant get in touch with any one helpful to remove my PMI and Im continuing to pay it despite hitting my requisite loan to value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: ProCollect, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMPANIES Procollect XXXX XXXX - XXXX Ive attempted to settle this account for a length of time that has now become problematic. This matter is now over a year old and remains unresolved through no fault of my own. ( You can see this by the documentation that has been attached ). 

At this time, as well as all other times, I simply want to take care of this issue and move on with my life. XXXX XXXX and Pro Collect have violated my rights under the Fair Debt Collections Practices Act and reported an INACCURATE Debt to mine and my sons credit reports In the attached documents you can clearly see I made payments to XXXX XXXX .. BEFORE this account was turned over to a collection agency. ( ProCollect ) Speaking of PROCOLLECT, once received by ProCollect this matter was reported to the credit bureau BEFORE the validation was received. In the validation they only provided a lease. In speaking with XXXX XXXX Property Management they have not sent anything to Procollect Now that this is with PROCOLLECT, I am STILL having a problem. As you can see in the attached I have attempted to settle this matter with no success. I continue to contact ProCollect. Each time I am advised that I can only speak with Mr. XXXX AND that it has to be done via email. Well as you can see that is not going to well. 

At this time my desire is to clear this matter and correct our credit reports. Considering that so much time has lapsed already, Please see the attached documents

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I entered into a Note contract with XXXX when I fell behind and requested help XXXX TRANSFERRED my account to XXXX XXXX  around XX/XX/2015. Although, XXXX XXXX gave me a new account number it still the same original mortgage. My credit report should not be reported as 120 days past due with XXXX every month when now there is a zero balance. 
My credit report shows I have two mortgage companies but I only contracted with XXXX  they chose to place me with another mortgage company because clearly I was having difficulty with my FHA loan and they off loaded me to another mortgage instead of helping me with my hardship.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.

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 2018-03-15
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Velocity Portfolio Group
State: PA
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 am elderly and I haven't checked or used any credit in years most of the things that were on my file are recent which I don't recognize at all

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 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 explanation
Consumer complaint received 2018-09-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband deposited {$1600.00} cash to Wells Fargo ATM ( XXXX XXXX XXXX XXXX, Wisconsin location ) XXXX on XX/XX/XXXX XXXX. 
After put all 30 bills ( {$100.00}, {$50.00}, {$20.00} ) screen said error occurred and gave us {$0.00} receipt, and it said no action needed. 
But I claimed next morning because I didn't get that money I got {$0.00} only. 
After 1month later Wells Fargo deposited to my business account temporary deposit {$1500.00}, but they sent me letter another 1month later couldn't find {$1500.00} but found {$60.00} only and they took {$1500.00} from my account. 
I claimed two times but the final letter said Wells Fargo bank couldn't find any extra money and closed case. 
I talked to one of research associate and she said there was no extra money and no error and any malfunction on ATM at that time. I asked her I want you to prove that, but she said case closed. 
But when i talked to ATM claim department for my first claim he said that ATM was jammed at that time. 
She lied. 
That money for my business account. 
( customer 's phone bills ). 
We did cash deposit once a every week after work to same location ATM about same or more amount. 
I don't know where can I ask help. 
Please help me to find 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 monetary relief
Consumer complaint received 2018-06-03
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation