BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: MONEY SOURCE, INC., THE
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I sold my home in XXXX GA XXXX. I had money in an escrow account which should be refunded to me. On XXXX XXXX XX/XX/2020 I emailed The Money Source at XXXX  @ The Money Source .com regarding why I have not received my escrow money. There was no response. I also called The Money Source at XXXX three times but NEVER was able to speak with an agent. I was on hold approximately 45 + minutes before I got fed up and hung up.On XXXX XXXX I sent another email and called twice. Again, no response. On XX/XX/2020 I emailed The Money Source THREE times and called Three times. Again-NO response. 
On XX/XX/2020 I emailed The Money Source and again NO response. On XX/XX/XXXX @ XXXX cst I called The Money Source and finally reached an agent-XXXX. 
He told me that a check was sent on XX/XX/2020 in the amount of {$1200.00} and mailed to my current address. XXXX verified the address as being on file. I was told by XXXX a new check would be sent but it would take 7-10 business days. 
THIS IS UNACCEPTABLE. The Money Source completely ignored my previous attempts to contact them. They acknowledged receipt of the email but FAILED repeatedly to contact me to discuss or explain why my escrow money was delayed.. My money was being used by them preventing me from earning any interest on the escrow money. 
The customer service of The Money Source is PATHETIC. They are absolutely the WORST mortgage company I have ever encountered. You are unable to call them by telephone without ridiculously long wait times. They do not followup emails they receive despite their automated response telling you a customer service person will contact you within 24 hours. THAT NEVER HAPPENED. If I had been late with a mortgage payment I would have been penalized. The Money Source should be penalized for their failure to pay me my escrow money in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Southwest Stage Funding
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2020, I was advised by XXXX of XXXX XXXX XXXX loan that my loan was declined due to my mortality rate. Spoke to his supervisor XXXX, about this issue and was told by her that they were allowed too. To Me, this is age discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This concerns the XXXX XXXX Visa card. 

To reserve some cash for a summer vacation, I paid {$5000.00} out of XXXX on a monthly bill in XX/XX/2018. This left a balance of {$2200.00} that carried over onto the next month 's bill. At the end of the  following period, I paid the statement balance in full. For the first month I was charged {$58.00} and for the second month -- the month for which I paid the entire statement balance -- I was charged {$120.00}. This means I effectively paid 8 % to carry a balance of {$2200.00} for one month on a card for which I only have a 16.99 % APR. There is no clear way to understand this on their terms and their explanation only confused the matter. I tried to clear this up with Citi on XX/XX/XXXX to no avail.

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 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX I made a payment to Bank of America credit card for XXXX however they took XXXX from my checking account. I immedately called the credit card company at XXXX I was told I would be refunded within 3-5 business days. As of this writing I still have not received my refund of XXXX. I have spoke to many managers daily and have been promised my money will be in my account the next day and no funds. I am tired of being lied to. They made me call my bank the other day to see if the money cleared in which it did just to hold me off. I am at my wits end I hope you can help me out.

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 2023-02-07
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: Reporting company used your report improperly

Complaint:
XXXX XXXX account number XXXX XXXX XXXX XXXX account numberXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2017-12-17
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. 
Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. 
Company has failed to report the results of the investigation to the CRA that sent the dispute. 
Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. 
Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 
Total owed was XXXX due to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report. I reported them to CFPB in 2018 : XXXX XXXX XXXX  XXXX I do not know Communication tactics XXXX XXXX XX/XX/2018 Closed Company responded XXXX XXXX XXXX  XXXX I do not know Communication tactics PORTFOLIO RECOVERY XX/XX/2018 Closed Company responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
They refuse to delete an address that is reporting on my credit file that I do not recognize. Its XXXX XXXX XXXX, XXXX NC 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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is in relations to complaint id : XXXX-XXXX I am a victim of the Transunion data breach. 

The inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If Transunion has no physical proof, I would like it removed immediately.

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 2020-07-22
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I visited XXXX XXXX to view a car that was listed for sale. When I arrived I showed them the vin number and stock that I wanted the sales associate did not have the vehicle I wanted. They then said they would show me other vehicle. I decided not to do business with them. They did however informed me that due to me wanting to finance the vehicle they ( car factory ) needed to run my credit but would not submit it to other financial institutions as they do in-house financing. I agreed. However on my credit report it shows 2 other inquiries that I did not authorize. Westlake and XXXX XXXX XXXX I called XXXX and was told I could not dispute it, I had to reach out to the company. However when I did I was as not helped as they could not find my information in the system. I would like some assistance in having these inquiries removed as I did not authorize them

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 2018-04-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit reports I noticed a collection account listed by XXXX XXXX that I did not recognize. This account shows on my credit reports as owing {$570.00}. I sent a certified letter to XXXX XXXX dated XX/XX/XXXX disputing this debt and asking for validation of this debt with competent evidence bearing my signature showing that I had an obligation to pay this company. On XX/XX/XXXX I received a letter back from XXXX stating they were uncertain of what I was disputing, and also sent a billing statement that I have never seen before. They did not include what I was asking for, validation the account was mine bearing my signature. Also the amount they are now claiming I owe is different from what they reported to the credit bureaus. I then responded with another certified letter informing them they they have failed to provide me with a copy of any viable evidence bearing my signature that the account is reporting accurately and also asking for proof that I have some contractual obligation to pay them the money they are claiming that I owe and asking them to delete this account from my credit reports if they can not provide a contract with my signature. I received a response dated XX/XX/XXXX stating again that they are uncertain of what I am disputing and providing no other information, and no evidence bearing my signature that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to just speak of three inquiries. I was being assisted by a Representative in the Wells Fargo Business Executive office. In Regard to an account that had been lodged at the bank several years back. I was very grateful for her assistance while in pursuit of the findings. 
When you call the representative back at her office number, the voicemail states that you are calling the " Business-Virtual Channels Executive Office. '' I kindly would like to know if this is the same office as the Wells Fargo Business Account Executive office?? 

Secondly, I would like to highlight just quickly, a strange phenomenon occured while on phone on the Eve of XX/XX/XXXX. As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. 
The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? 

The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. 
As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the XXXX recovery phone update bc I was so unclear and confused. 
If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Thirdly and lastly I would like to inform Wells Fargo, that recieved some correspondence from them that I was the victim of a scam and unauthorized activity. I have attached the literature.

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 2021-12-06
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: Investigation took more than 30 days

Complaint:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

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 2019-02-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They keep calling my elderly grandfather 's house. I've repeatedly updated information giving them my number.

The last time they called there they told my brother what medical treatment I had received!!! Information not only should they not have as its a direct violation of HIPAA law, since I never gave consent for medical information to be released, but it also violates HIPAA in the fact they discussed my medical information with someone who WASN'T me!!!

I sent a written debt validation letter to them and NEVER got a response, in the letter I also requested HIPAA validation and never received it either. The letter also gave them my current address and stated I wanted to communicate via letters only.

They then called my cell phone constantly to the point I had to pay and install a robot/spam killer to avoid the calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: ENCORE CAPITAL GROUP 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:
I have an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the  information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I  will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act. This dispute is for another XXXX account your reporting for a balance of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my 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 2020-09-18
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
they call me regards on a debt on firstdata leassing company that i never sign any paper or anything involved with that equipment it would be stolen identety for somthing that im not aware i want to stop calling me or email me thing that i do not own anithng

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 2022-10-06
Company: Experian Information Solutions 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:
Upon reviewing my updates, inquiries and inaccurate information are being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX GA XX/XX/2022 XXXX XXXX GA XX/XX/2022

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 2021-02-12
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine. 
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: UT
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 AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND EQUIFAX AS WELL AS XXXX TO RESOLVE THESE MATTERS SO NO RESPONSE.

Company response to consumer: Closed with explanation