BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: MONEY SOURCE, INC., THE
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is concerning our escrow account there has been several mistakes with our escrow being that the mortgage company paid to insurance companies that we did not authorize to be paid when we requested that they paid the third we had been notified then that they had overpaid and they had paid to other insurance companies and of course requested us to pay the money back when we did the mayonnaise was not properly executed to the right accounts or the it was not dispersed into the right accounts and there has been several escrows that has been done since then and every time I call them it seems like it gets worse and worse and I we just feel like our backs against the wall that we've been cornered and either we do as the mortgage company says and we pay what they say will be homeless we have paid back every dime that they we have instructed us to pay back and they still today to say we are behindaccording to our end of year mortgage tax statement we have paid him a {$6000.00} in escrow this year as of XXXX of last year to present date and that we only have {$500.00} in our escrow account every time I call and ask to speak with somebody in the escrow department or in the escrow analysis department I am told they did not take phone calls I can not speak with anybody higher than a customer service representative we are just floored we don't know what to do we don't know where to turn or every other month car payment is different than what it was the previous month and we just feel like they are doing our escrow analysis in the presumption that our escrow is going to be over {$5000.00} this year and there needs to be no more than {$2100.00} in our escrow and I believe they are doing the analysis as projecting it to me over {$5000.00} and I can't seem to get anybody to understand that is not correct we just don't know where to turn and don't know what to do and we need help it is an FHA loan we do pay the FHA mortgage insurance it is also a fixed loan it is not a very veritable like I said I have made several attempts and several phone calls to try to fix the situation and every time I do it seems to get worse I had the first payment that we sent back to them was over {$1800.00} when we sent it back they applied {$1300.00} to the principal instead of the escrow when I called to get that corrected then they applied {$700.00} to principal and I believe {$500.00} or {$600.00} to the escrow they have never applied the funds as we have instructed and they have done whatever it is they wanted to do with that regardless of how we instructed them to apply the funds and we are just in an in desperate need of some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with a XXXX agency for over 3 years with lack of their support. 
Professional account management LLC ( P.A.M. ) XXXX XXXX XXXX WI XXXX phone XXXX XXXX XXXX. 
My XXXX tolls based in XXXX XXXX CA assigned this to Professional Account management for uncollected tolls. { professional Account Management has placed an lien for tax interception with the California Tax Franchise tax board. I have supplied documents via a stamped abstract of tolls cleared with XXXX to professional account management. They refuse to inform the California Franchise tax board. I have sent them certified mail, called them numerous times and holding for hours. It seems they intend to intercept my tax refund again as this was verified by the state of California even though there is no debt. They have been unresponsive and seems criminal to collect money fraudulently since they have been notified the debt is settled and they refuse to work with the franchise tax board to  straighten this matter out. please advise what action I can proceed with to stop Professional account management defrauding me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Collection Service Opened XXXX XXXX XXXX XXXX Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Rent Recovery Solutions
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent recovery solutions- Georgia , XXXX  XXXX in XXXX XXXX , LA Rent recovery solutions continue to contact me for a debt that I do not owe. The XXXX owner continued to put fees on my account and charge me for things I wasnt aware of and He never returned my deposit. This is a true slum lord, I have multiple neighbors that had the same issue. XXXX  XXXX  staff members never check the mail until it was in the middle of the month, then they would post a payment to your account and add late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX, PA XXXX. I 'm am now a retired XXXX and have an XXXX from a well known XXXX school. I now spend considerable time helping people, FOR FREE, that are referred to me by my pastor or one of the deacons in my church. One such referral was a widow who, together with her husband, took out a line-of-credit loan on their home for the purpose of building a handicapped-accessible bathroom for her husband who, by then, had become wheelchair bound. They borrowed the money from Wells Fargo Bank and were strong-armed into taking out " life insurance '' on the loan. What the bank did was far more egregious than the auto insurance scam everybody is so excited about today. It 's worth looking into - someone should. After reading the " life insurance contract '' language, you would believe that you had purchased life insurance protection on your loan. YOU WOULD BE WRONG!!! Instead, you would eventually learn, as did the widow mentioned above, that you had only purchased a " debt repayment management tool. '' It was nothing but a 13 % surcharge on the loan that provided no benefit whatsoever for the borrower, but a very nice " extra kicker '' for Wells Fargo. If anybody at the CFPB wants to discuss this issue further, I can be reached at my home telephone number : ( XXXX ) XXXX. Thank you for taking the time to read this treatise and I would welcome the opportunity to discuss this matter with CFPB. Sincerely, 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 2022-01-18
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Prosper Marketplace, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
prosper marketplace inc account- unsecured responsibility- individual date opened- XX/XX/2018 status- closed. {$11000.00} written off status updated XX/XX/2018 the credit reporting agency or bureaus place this information into my credit report without verification. where is the original signed document from when i opened my credit card or got the loan. please remove the inaccurate unfair information off my credit report. if you guys dont remove this stuff off my credit report we will be filling a lawsuit against your organization for unfair practices. you have 30 days to do so to VERIFY the information or to DELETE it immediately that is LAW!

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: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. TransUnion has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to TransUnion to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: MS
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:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for XXXX   XXXX  & XXXX XXXX. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been 3 months. These accounts do not belong to 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 explanation
Consumer complaint received 2019-09-20
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: Account status incorrect

Complaint:
The company has reported an account for a XXXX overpayment that I wasnt aware of as a charge off /collection /never late /paid in full I have reached out to the dept of edu and was advised the account was received in there office on XX/XX/XXXX and a letter was sent to me I didnt receive a welcome letter from them until XXXX in which I called and arranged to pay them in full on XX/XX/19 which I successfully did. This account was not on my CBR prior to me paying them it poppped up on my CBR XX/XX/XXXX with the above verbiage I reached out to the company and asked for them to correct it and they requested me to go out my way even though its there mistake to dispute it with there company I clearly asked why was it reported as a charge off and the account was only opened on XX/XX/XXXX which doesnt qualify for a charge off reporting given a acccount must be at a minimum of 120days delinquent the representatives flat out refused to correct it one supervisor put me on mute and refused to answer me to where I eventually hung up and called back and spoke to XXXX agent Id XXXX who informed me only one supervisor noted the account which is a error because I spoke with two supervisor prior to him and three regular agents I asked for him to send me all letters on my account in which he denied me and advised I had to submit request in writing but the first supervisor I spoke to was willing to resend

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 2020-02-12
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money was not available when promised : For the transaction-XXXX  XXXX XXXX Today is XX/XX/XXXX and WU is in dishonor **** For the American abroad need of the desperately urgent and emergency fund-aid requesting wire transfer with the available funding was met with the denying by the Operador Call Center Western Union of the XXXX XXXX corporate office in the city of XXXX  XXXX XXXX XXXX location and the Western Union Corporation headquartering in Colorado USA and the causation of the damage suffering with the starvation and the threat of an unlawful and illegal eviction by the property owner and with the discrimination by the Western Union-XXXX XXXX management of national operations and official agents for the defamation and libel and the gross negligent denial-refusal of the wire transfer fearing for the fraud and impersonation of identity and not providing a remedy any reasonable person could determine as efficient and expedient because the the sender and the receiver is one and the same being a live and natural living person without any funds for food or travel or expenses for the international communication charges incurring against local creation telephone connections to toll free telephone numbers in the U.S. 


Confusing or missing disclosures For the knowledge of the facts on the discrimination-based policies by the local agent Other transaction problem Discrimination and abuse of the UNIFORM COMMERCIAL CODE on transmitting utilities ** For the dishonoring and discrimination injury compensation victimizing and disabling persons in both severe need of urgent emergency funding for the satisfaction of financial and medical-health matters with the life of an individual traveler seeking aid and assistance in a foreign nation and fearing the potential for the eviction and being the subject of humiliation by the refusal of service and breach of trust and unequal and or unavailable protections by the WU corporation **

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I sent in a personal update letter to Experian. According to Fair Credit Reporting Act 15 USC 1681b -Permissible purpose of consumer reports that states, IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave them written instruction to update my personal information and they put a fraud alert on my report after receiving my letter. I DID NOT GIVE THEM WRITTEN AUTHORIZATION to put a fraud alert on my consumer 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 non-monetary relief
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Victim of credit report inquiry fraud 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 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 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 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 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 explanation