BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from XXXX XXXX/National Recovery in the dollar amount of {$220.00}. They have reported to the credit agencies that the account was opened in 2018 which is incorrect. I have tried to sort this out with them but have gotten no resolve in the issue. They have deliberately pushed the open date up by two years thus adversely affecting my credit scores and extending the standard time that the collection would stay on my credit report for. Unfortunately by increasing the negative reports for a longer period of time causes my credit opportunities to diminish, my percentage rates to be higher, as well as pay higher insurance premiums and reduces my contributions to the economy. I would like to have the cfpb look into this so that it may keep other consumers safe from being taken advantage of and made to suffer the same negative effects that it has burdened me with.

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 2021-04-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had a mortgage with Wells Fargo since XXXX on a vacation home. The payments for this mortgage were paid automatically on time by the bill payer service of my credit union XXXX XXXX XXXX XXXX ( XXXX  ) where I have been a customer for nearly 40 years. Due to technical issues between Wells Fargo and XXXX my mortgage bills stopped getting delivered to XXXX in XX/XX/XXXX. As a result my XXXX payment was late as well as my XXXX payment, resulting in late fees. I contacted XXXX and Wells and XXXX refunded the late fees and I paid the XXXX bill and late fees on XX/XX/XXXX, and XXXX bill plus late fees on XX/XX/XXXX. At this point I thought everything was resolved and XXXX had credited my account for the late fees on XX/XX/XXXX. 

However the problem between XXXX and Wells wasn't resolved with the bill payment system and my XXXX payment also wasn't made. I only discovered this in XXXX when that bill wasn't paid and I made another manual payment for the XXXX and XXXX bills on XX/XX/XXXX. However in the mean time Wells reported my account as delinquent in XXXX dropping my credit score from Excellent to Good destroying any chance to refinance my other mortgage at a reasonable rate. 

I don't believe I should be held responsible for Wells and XXXX problems. I rely on automated payments just so I don't have to worry about them, and these companies screwed that up. I would like the late payment filed with the credit reporting agencies by Wells to be removed and my credit score repaired.

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 2022-03-30
Company: EQUIFAX, INC.
State: MI
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 report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ALLY FINANCIAL INC.
State: NC
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:
Inquiries for the same purpose made within a short time frame are generally considered " rate shopping '' and not to be reflected twice on a credit inquiry. 
I did not authorize all of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Rocket Mortgage, LLC
State: MA
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:
Several Rocket Mortgage employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted Rocket Mortgage to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( MEDICAL DATA SYSTEMS I ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ) has been sending me collection notices in the amount of ( {$290.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CITIBANK, N.A.
State: IL
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:
My Citibank double cash rewards card was stolen on XXXX/XXXX/XXXX along with my XXXX XXXX XXXX at XXXX night club in XXXX XXXX, XXXX I saw multiple fraudulent attempted charges on my online account for {$3100.00}, {$2100.00} and {$530.00}. There was XXXX successful fraudulent use for {$1000.00} in the form of quasi cash at XXXX XXXX XXXX XXXX. I did not give permission or authorize anyone to use my credit card or my driver 's license. I notified Citibank who cancelled my card that same day and I went to the XXXX XXXX XXXX Police Department station ( XXXX XXXX and filed a police report. I flew back to XXXX without an ID on XXXX/XXXX/XXXX. I obtained a duplicate driver 's license on XXXX/XXXX/XXXX. A detective from XXXX attempted to contact me at my work and on my cell phone after XXXX weeks, unsuccessfully. I left a voicemail on his voicemail with everything I knew about the charges i.e. and did not get a return call. I was contacted by citibank security operations person handling my case, a XXXX XXXX, who was not professional or helpful and closed my case without proper time to submit evidence. She reported they had enough evidence it was me who made the fraudulent transaction but stated their evidence was confidential so I did not have access. The fraudulent charge was placed back on my account {$1000.00} in last last 48 hours.

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 2017-11-04
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TransUnion LLC, XXXX and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( 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 2017-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries on my report that I did not authorize. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 bought a car from XXXX  XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the 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 2019-06-26
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 2 months ago I demanded validation of the debt that Credit Collection Services is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a XXXX XXXX. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal wants to hold my funds for 6 months and that's just not acceptable. I'm a XXXX XXXX trying to make ends meet and this major corporation is holding my funds because of some type of misunderstanding. Paypal doesn't allow you to sell weight-loss products. XXXX XXXX does not sell weight-loss products. The words weight loss is not listed anywhere on our store or on even in our description. We sell XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent out all the products to customers who have order and paid through PayPal. I have sent out these products and now don't have access to the funds for 180 days! 

How does PayPal say they are in business to help small businesses and even small black-owned business but holding funds to stop them from doing business. 

All of my packages have tracking numbers, all of them have been delivered and 96 % of the customers have already left 5-star reviews. 

I'm just really annoyed with this whole thing. 

A simple solution is to allow me to collect my funds from the account to run my business and i will no longer do business on PayPal ... Ever again ... Im willing to keep fighting this until that happens because I refuse to let the doors of my business close due to this frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX CO Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : CREDIT XXXX XXXX XXXX : XXXX XXXX XXXX Rock XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2018-01-16
Company: SUNTRUST BANKS, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know. 
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.

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 2019-09-20
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me. 
I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute online for a XXXX account reporting on my report. Equifax removed the account from my report. Then put it back up there. They completed the dispute without providing any information of the results or a contract from the creditor who listed this account on my credit. They also did not notify me within 5 days that the account would be placed back on my credit report. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the account was valid without any explanation. From the attached documents you can see that it was in fact removed. As of today XX/XX/XXXX it has been placed back on my report.

Company response to consumer: Closed with explanation