BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
equifax have failed to do a proper investigation of fraudulent and erroneous accounts on my credit file when i was involved in there data beach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This medical bill was place into collection prior to me even having the chance to submit my medial insurance. Once I still tried to have my insurance added they denied me the opportunity. 

After the bill was placed into collections in XX/XX/2017I received phone calls at all hours of the day and night. I even heard a representative speaking negatively about me and my medical situation after she thought that she hung up the phone. I was very offended and took it very personally that I was being treated with so much disrespect. 

I have sent paid the entire bill off and would just like the collection completely removed from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a text message on XX/XX/2020 at XXXX XX/XX/XXXXPST from ( XXXX ) XXXX saying that an application with XXXX was received. Then I received another text message from a masked number asking me to respond to the text to approve loan # XXXX for {$700.00}. I texted them back that I did not apply for any loan, so cancel the application. They responded with a PDF of a loan application that used my name, home address, phone number, and an email address that is similar to, but not my email address. It showed that an online application was made on XX/XX/2020 at XXXX XX/XX/XXXXCST from IP address XXXX, which is not my IP address. The lender on the loan agreement document is listed as WLCC Lending TLP dba WLCC TLP and in other places as WLCC Lending TLP d/b/a Rapid Title Loans, a wholly owned and operated economic arm, instrumentality, and entity of the Wakpamni Lake Community Corporation ( WLCC ), a wholly owned and operated economic arm, instrumentality, and entity of the XXXX XXXX XXXX, a federally recognized XXXX XXXX. 

I attempted to call their customer service department at XXXX XXXX XXXX XXXX, but was sent to a voicemail box. I tried calling another listed phone number, XXXX XXXX XXXX XXXX and spoke to a man who said he needed to know the last 4 digits of my social security number to verify my identity. I told him I was not comfortable doing that since my enquiry was about a fraudulent loan application, so he was unable to help me. I also tried calling Wakpamni Lake Community Consumer Complaint XXXX  Hotline at XXXX XXXX ) XXXX, but was unable to speak to a live person. 

After looking through the loan application I was sent I tried contacting all the phone numbers listed to get a live person on the phone, but was unsuccessful. 

I believe that someone fraudulently made an online loan application using my personal information. I have attempted to contact the listed lender, but have been unable to get them to cancel the loan. The different lending websites that have been listed in the loan documentation are XXXX www.rapidtitleloans.com, and www.arrowheadadvance.com. These all appear to be related entities to WLCC Lending TLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please note that I have made 2 attempts to resolve this issue. Experian is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.

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 2020-06-27
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am unable to transfer USD from my PNC bank to my bank in XXXX, using the XXXX  service. I am unable to link the PNC account to the XXXX. Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-07-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa XXXX that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

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 2019-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.

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 2021-04-08
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common wealth financial have committed several federal violations against me, a Private law abiding Federally Protected Consumer.Te attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Common wealth financial. Common wealth financial does not have a certificate of Authority to do business in Alabama. Common wealth financial have not sent me a dunning letter but they have put a fraudulent account on my credit report.Common wealth financial do not have the authority to collect any money from me.Common wealth financial is guilty of racketeering, forgery, and obstruction of justice.Common wealth financial is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

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 2019-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an increase in my required escrow balance due to a window purchase made via the XXXX XXXX. I have paid a portion of the amount of increase to Wells Fargo Mortgage, they were to adjust down my monthly payment amount based upon the balance left of the escrow increase. Wells Fargo has failed to apply these funds I have sent in that were to be applied towards the escrow amount increase. The funds are still unapplied by Wells Fargo Mortgage. I have spoken with Wells Fargo Mortgage twice regarding this issue, they said they would fix the problem ... it remains a serious issue. 
Funds in the amount of approximately {$2000.00}

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 2019-07-14
Company: EQUIFAX, INC.
State: NJ
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:
on my equifax report i have an item in collection from XXXX XXXX XXXX XXXX for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with equifax numerous times and they keep stating the item was verified by XXXXXXXX XXXX i disputed this item again in XXXX and received the results today XX/XX/2019 from equifax and again they stated XXXXXXXX XXXX  verified this information is correct by me contacting equifax by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation XXXX XXXX   supplied equifax to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did equifax verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how equifax verified the account with XXXXXXXX XXXX or who i could contact to get a copy of the information ( original signed contract ) XXXX XXXX sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were contacted by Fifth Third regarding refinancing our mortgage. We decided to proceed and filled out the initial application packet and sent them our personal documents. On XX/XX/XXXX, due to unforeseen circumstances, we asked the refinancing to be put on hold. We received an email back within an hour from our mortgage officer that this was fine and he would do so. At this point we had heard nothing about the loan application as we were very early on in the process. The following day ( XX/XX/10 ), I received a call from someone else at Fifth Third asking questions about the application. I told her we had spoken to our mortgage officer and it should be on hold for the moment, we did not want to proceed with anything. She was unaware of it being placed on hold but agreed and said we could reconvene if we decided to move forward with it. Then, on XX/XX/XXXX our account was charged with a {$390.00} mortgage loan application fee. I responded immediately and they said they were sorry and would try to get it taken off. I immediately reached out to another mortgage officer we know and was told that they should not have charged anything, and unless an appraisal had already been completed it was not too late to reverse anything and we should not be charged for wanting to put the process on hold or cancel. On XX/XX/XXXX, someone drove down our street around XXXX XXXX  and stopped to take a picture of our house and then drove off. My only guess as to what this driveby picture could be would be the " appraisal ''. I immediately sent Fifth Third Bank an email about my frustration with them seemingly trying to push this application through after I had requested numerous times it be put on hold and was promised so. They responded back within 5 minutes that the appraisal had been put on hold and they requested the application fee be returned and were still waiting for them to do so. At the end of the email he said " I will let you know when the fee is returned ''. I have all of this correspondence documented in timestamped emails. Despite the loan officers saying that this was placed on hold until we are ready to move forward, I still continue to get emails about appraisal documents to sign. I feel that this has been a poor example of customer service on their part, particularly for something as intimate as people 's personal finances. I feel that this is due to their company being so large and lack of personal attention to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It didn't give me the option for which I need help with I was contacted about eight months ago telling me I was part of the data breach my information was at risk they had me fill out some paperwork I did paperwork it was the part of the Equifax data preach I could be in for 3 years trying to tell everyone including FTC you guys FCC Washington consumer credit all the major credit reporting companies and not one person ever told me about this effect data breach not that they had to but I filled out the proper paperwork they told me that it was going to go through some lawsuit it never did that I'm aware of I never been contacted about it ever again I need to know what's going on and never informed why when I did information to be compensated for whatever I put out there because I did have to do a lot of research I did have to do stuff on my own to protect my own credit I was promised they would monitor it they never did I want to know step by step what's going on and what happened and no one is trying to help me in the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has not submitted any documentation that according to the FCRA qualifies as debt validation! They are illegally furnishing data to my consumer reports!!!! 
They are in violation of 15 usc 1692g which outlines debt validation and they are also in violation of 15 usc 1681b which outline permissible purpose!!! They also have violated 15 usc 1692f which is considered by the FTC to be debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit card taken out in my name unknowingly back in XX/XX/2015 store XXXX  by individual living in my home. 

I dividual had been XXXX for other XXXX, XXXX  etc.. 

Notified Portfolio Recovery however still showing on my credit reports. 

I am not responsible for said debt of {$1000.00} Portfolio Recovery has not removed

Company response to consumer: Closed with explanation