BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
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: Problem with personal statement of dispute

Complaint:
I sent a letter to Experian asking for a method of verification on two of my collection accounts. They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX second that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in XXXX XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX  said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.

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 2021-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXXXXXX US DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CL Holdings LLC
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, 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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX  an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As addressed to United Wholesale Mortage : Back in XXXX I wanted to sign up for the budget draft and instead of taking half the payment as per terms of the agreement you instead took the full mortgage payment. I was assessed a fee for insufficient fund. I call and the fee was removed. 

Afterwards for weeks I received no feedback or paperwork work for the budged draft even after faxing over my savings account information over and over. Finally when I called you said I had to pay one month advance for the enrollment into budget draft. I did that and budget draft was finally set up. Again no communication to me that I had to make an additional month of payment. 

After that what I expected should have been no issues since it was bi-weekly payments right? Wrong. Apparently you take 3 payments on a month with 5 Fridays. I was assessed a fee AGAIN. 

So I called and explained the situation and they said that the issue will be resolved. I did this three times and every-time you stated that the fee would be removed. I even wrote on the online messaging system and I was ensured that it would be taken care of. 

I called back today almost a month later now and explained the situation to the supervisor in the escalation department and they stated that since the fee was already waived once again which was a mistake on your end that they cant remove the fee. 

Im not paying the fee. 

Loan # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My XXXX  XXXX c

ard and PNC credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. You see, i worked as a XXXX  XXXX  for the XXXX XXXX with a
company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX  another XXXX XXXX XXXX  all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no PNC banks east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money.

Both the PNC credit card and XXXX XXXX did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX because someone already has it under my email. I gave so much to our XXXX XXXX XXXX XXXX
that I would hope Uncle Sam can help me in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CITIBANK, N.A.
State: CA
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 applied for credit with Citibank 'Citi Custom Cash Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/Citibank ( current/past ). I actually applied and was invited via my XXXX  membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies. 

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.

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 2021-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  Experian XXXX  All show this info that was no fault of my own

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 2018-02-26
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IT'S A MEDICAL BILL. I HAVE NOTHING TO DO WITH THIS HOSPITAL NOR DID I RECEIVE ANYTHING SHOWING IT WAS MY ACCOUNT. I DON'T EVEN KNOW WHERE THIS IS AT. I HAVE SPOKEN WITH THEM AND IT WAS SUPPOSED TO BE REMOVED. NEVER HEARD BACK. THEN IT'S BACK ON MY CREDIT REPORT AGAIN. NO MATTER WHAT I'VE DONE IT'S ALWAYS THE SAME DEAD END. THEY DID NOT FOLLOW THROUGH WITH REMOVING. I SPOKE BY PHONE. DIDN'T RECEIVE LETTER OR RESPONSE, JUST HIT MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a  forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Your company furnish unknown inquiries on my credit report that I dont recognize and did not authorize Under 15 Usc 1681 Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also UNDER 15 USC 1692e & 15 USC 1692j they are in violation of the FCRA and I want these inquiries removed immediately.. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2018-09-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Still trying to get the money back they owe me. I have filed several complaints, but to no avail. I need assistance in retrieving funds from the company and help with enforcement of the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an installment loan of {$2600.00}, I made payments of around {$280.00} every 2 weeks. I recall all of the payment amount going to ONLY the interest. I paid on time for about 8 or 9 months, totaling to a little over {$5000.00}. I could no longer afford the payments with their predatory interest rates. I defaulted eventually. So I called to try to settle the account and they did not accept my settlement offer, and wanted 50 % of the balance that is now over {$4000.00}. I believe they are a predatory lender with their ridiculously high interests rates. As, I've already paid double what they lent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/2021 I intentionally withdrew {$280.00} from my checking account and waited for time to pass and deposited {$240.00} in the same account because of theft that has been given the kind eye and slipped through the cracks. Now that I have been insulted when your company " wachovia '' now " Wells Fargo is still doing the same XXXX XXXXXXXX XXXX I am exposing and suing. You people are XXXX XXXX and XXXX We have lost so much because of your neglect as a known wide company you should be grateful that we give you our business. Instead you have XXXX  in the background stealing as little up to Millions. I have been reporting to every proper Department far enough and I am sure our country and communities will take every action to resolve this issue once and for all. I have been robbed for over {$15000.00} through a bank that I've trusted ever since I had and opened a bank account with " Wachovia '' - now " Wells Fargo ''. My attorney will be in touch and everyone else that has been mislead by your company.

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 2018-02-22
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX is reporting a medical bill on all 3 major credit reporting agencies. I learned of the collection account when I applied for and was declined for a mortgage loan. I had medical insurance at the time of the bill and the medical insurance should have covered it completely. The procedure was pre-authorized. I paid up premium up front per the request of the doctor and the insurance company. The amount was somewhere near {$1000.00} BEFORE the XXXX. Imagine my surprise to find that I had a medical collection. The doctors office said something to me and I reminded them I had repaid all of the costs and been preauthorized by insurance. ANY amount above that is, would have been, and will be disputed. XXXX never gave me the opportunity to dispute the validity of the debt. I have never received a phone call or a written notification of the debt. I recently contacted them after learning of the collection account. I informed them I disputed the debt and the circumstances above, They did not pay attention to me at all and immediately started collection practices demanding my phone number and information about me in an effort to collect the debt. THE ALLEGED BILL IS PAST THE STATUTE OF LIMITATIONS and they knew it. Under FCRA and FDCPA the debt should have immediately shown as disputed and removed until resolved. Instead they only attempted to collect. In violation of FDCPA Section 809 ( b ), 807 ( 8 ) and section 623 of FCRA

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 2019-03-29
Company: Experian Information Solutions Inc.
State: NY
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 wrote disputes to XXXX and experian to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both experian and XXXX has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.

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 2021-02-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in my XXXX  report it says I opened a XXXX account on XXXX XXXX at that time I was an account holder with XXXX then later switched to XXXX. This XXXX  account has absolutely nothing to do with me. somebody clearly used my SSC or whatever to get an account. FRAUD.

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 2020-08-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner, the collection company is trying to collect on an invalid debt owed. The collection agency falsified balances, falsified payments and falsified records thus this collection agency has no legal rights under FCRA 621 ( a ) ( 2 and Fair Debt Collection practices. I have attempted to contact the credit bureau and the collection agency with no positive results. This collection agency is abusive and clearly in violation of the law.

Company response to consumer: Closed with explanation