BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

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 2018-07-27
Company: Credit Solutions
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When I asked them to cut what I owe in 1/2 the gentleman called me a XXXX XXXX XXXX so asked them to never contact me again and now they are calling my place of employment and harassing me at work.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-23
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My current loan servicing company Freedom Mortgage Corporation approach me about a streamline refinance to lower my interest rate. At the very beginning and during the entire process my main concern was regarding my current escrow balance of {$1700.00}. I asked on numerous occasion and even at closing was this balance going to be transferred to my new loan. I was assured that was going to happen. Once my new loan was booked, that did not take place my new escrow account only has {$560.00}. The entire streamline process was not a win for me as a consumer for the following reasons : 1. Principle balance increase 2. Additional 1 month to mortgage 3. Payment will remain the same or higher like original payment once new property tax bill generate.

My may concern with my escrow balance was due to the fact I just build my home and living in a new sub division where my property tax was has not been accessed correctly. I wanted to have the surplus money in my escrow that when my property tax bill arrive i will not have an escrow shortage. Now once Freedom Mortgage receive the correct property tax bill from county my tax will be paid. At which point Freedom will either increase my overall mortgage payment or i will need to send in a lump sum payment for shortage. This is ever deceptive way of conduction business. I have requested for the company to go back and listen to all my calls since they are all recorded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Chime Financial Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a account with Chime bank & set up direct deposit from my unemployment account. The next day after my direct deposit was applied to my account chime closed my account and said was closed and they told me that I could not get my money back because of fraud I committed on the account. Which is not true everything matched name, ss #, and unemployment benefits. They closed my account to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app will not allow my sister to refund me my money back in the amount of {$1000.00}. This occurred XX/XX/XXXX. I emailed them the same day. I also followed the steps that they ordered me to follow and nothing has changed. It has been 1 month. Ive contacted them via email and the problem did not get solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: PRESTIGE FINANCIAL SERVICES 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:
I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. 


we challenged on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Re : NOTICE OF DEBTOR LETTER FROM SUPERIOR COURT OF NJ NAMING WILMINGTON SAVINGS FUND SOCIETY , FSB, ( WSFS ) AS CREDITOR RE : XX/XX/2020 LETTER FROM WSFS 1-PLEASE PROVIDE A TRUST AGREEMENT BETWEEN WSFS AND PRIMESTAR-H FUND I TRUST AS EVIDENCE THAT WSFS IS A TRUSTEE FOR PRIMESTAR-H FUND I TRUST 2-PLEASE PROVIDE THE DOCUMENTS WSFS AS TRUSTEE FOR PRIMESTAR-H FUND I TRUST IS RELYING ON TO ASSERT THAT WSFS IS TRUSTEE FOR PRIMESTAR-H FUND I RUST IS THE CREDITOR. 

3-PLEASE PROVIDE DOCUMENTS AND CONFIRMATION WSFS AND/OR WSFS AS TRUSTEE ARE LOCATED AT XXXX XXXX XXXX, XXXX FLORIDA XXXX AS IS THIS IS THE ADDRESS NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER. 

4-PLEASE PROVIDE DOCUMENTS OF TRUST REGISTRATION.

5-PLEASE PROVIDE NEW JERSEY CERTIFICATE OF AUTHORITY FOR THE PRIMESTAR-H FUND I TRUST.

6- PLEASE PROVIDE REPRESENTATION AGREEMENT BETWEEN WSFS and/or WSFS AS TRUSTEE AND THE ATTORNEY FIRM NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.

7-PLEASE PROVIDE ALL DOCUMENTS THAT WSFS AS TRUSTEE PRIMESTAR-H FUND IS THE CREDITOR.

WE DISPUTE ALL CLAIMS BY WSFS AS TRUSTEE FOR XXXX FUND I TRUST.

WE DEMAND THAT WSFS TAKE IMMEDiATE ACTION TO DISMISS THE CASE NOTED IN THE ATTACHED NOTICE TO DEBTOR LETTER. 

THANK YOU, 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 2019-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Mortgage account with Wells Fargo for almost a year right now. I had done 4 mortgage recasts of $ XXXX ( overall $ XXXX ) during last 12 months. 
Each mortage recast in general brings the monthly payment down by around $ 150- {$200.00}. 
I have been asking Wells Fargo to provide me a scientific and mathematical way to share with me how they are calculating my next mortgage payment after each recast but they are not doing it for almost last 7+ months. 
Now i am growing suspicious that something is going wrong out here.

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 2021-04-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just received an alert that there was a fraud alert placed on my credit report from Experian. 
I never asked for any fraud alerts be placed on my credit file. Please remove them. 
I'm not writing into Experian to ask that it be removed bc I never asked for it to be placed on there. I know how to do that myself. 
I'm not going out of my way getting envelopes and stamps to write or mail anything. Nobody told you to put them on there. 
Remove the fraud alerts please.

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 2021-01-25
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: Investigation took more than 30 days

Complaint:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

XXXX  & TRANSUNION FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!

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 2021-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently challenge EQUIFAX to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to Equifax was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Equifax allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Equifax, and it refuse to investigate and still allow XXXX XXXX to violate the FCRA. If XXXX still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. Equifax allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to The credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-07-29
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had transferred funds via Western Union to XXXX - tracking number XXXX. The funds were never credited to the beneficiary account. Western Union has been claiming that the funds were transferred. I have provided them with documentation from the recipient bank evidencing that the funds were not credited. Have raised XXXX tickets with Western Union but never got response - Ticket numbers XXXX and XXXX. The value of the transfer was {$3000.00} and transaction date is XX/XX/2021. I have been constantly chasing Western Union team but have not received any response. The beneficiary bank also requested for XXXX XXXX to investigate the transfer but this was also not provided by Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: General Motors Financial Company, 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:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Alco Collections, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collections account on my credit report that I have no knowledge of and it has been disputed multiple times.. I have been trying to contact the creditor for over four years to take care of this debt. I have called the number listed numerous times and left messages. I have not received a call back. The debt is minimal and I would like to pay it after I verify that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PARAMOUNT RECOVERY SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PARAMOUNT RECOVERY SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Date XXXX-19 Amount XXXX I could not have opened account was XXXX XXXX at 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 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX   ****XXXX not mine XXXX/XXXX ****XXXX never late

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 2023-07-28
Company: Selene Holdings LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX my mortgage loan was transferred to Selene Finance, LP from XXXX XXXX. There were cooperate advance fees of {$17000.00} applied to my account. Neither Selene nor XXXX XXXX could tell me the nature of these fees. I tried getting some explanation but no one seemed to know why those charge were assessed to my account. 
My overall outstanding principal should be a lot less, but because of these fees it feels like I have not made any progress toward my mortgage payments over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When Equifax had a security breach in XXXX, I requested a security freeze and was issued a 10-digit PIN to use if I wanted to release the freeze. I recently tried to suspend the freeze & found that the 10-digit PIN had been abandoned. So, I followed the instructions on their web site to temporarily remove the freeze and spent about 45 minutes going around in circles. So I called Equifax and was told to send in a copy of my driver 's license and Social Security card, which I did and included a ( XXXX  ) certified letter with all my relevant information ( Full Name, SSN, DOB, address ). I just received a letter from Equifax telling me " We were unable to locate a credit file in our database with the identification you provided ''. Really? Now they want me to send in " Category 1 ) IDENTIFICATION *Valid Social Security Card '' and " Category 2 ) CURRENT ADDRESS * Driver 's License ''. I'm sending in a really XXXX  letter with the requested information. Why should I have to put up with their incompetence?

Company response to consumer: Closed with explanation