BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: ERC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from  Enhanced Recovery Corp.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX   XXXX   XXXX   needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XX/XX/2016    amount {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I have attached letters below with the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed

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 2019-11-04
Company: Solomon and Solomon, P.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote and notarized a letter requesting physical verification of a debt that was sent certified mail and was delivered to XXXX on XX/XX/2019 and XXXX  on XX/XX/2019. 
The letters requested that physical verification of a debt be sent to me per the laws of the FCRA. XXXX  and XXXX both stated that Solomon & Solomon PC had verified the debt with them. As of today, XX/XX/2019 I have not received verification that the debt is real via a signed contract with the original creditor with my signature or any other information stating Solomon & Solomon PC has any right to collect a debt, as well as other information that must be verified per the FCRA that would allow them to report this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
My consumer rights and privacy have being violated under 15 usc 1692 et seq and 15 usc 1681 et seq. This company is murdering my consumer profile denying to removed unauthorized inquiries from my credit report. 
On XX/XX/2022 first writing request was sent via certified mail to trans union asking to remove all unauthorized inquiries. 
On XX/XX/XXXX, second writing request was sent via certified mail to trans union asking for the removal on all unauthorized inquiries or promptly delete all information which can not be verified. 
After talking to customer service with trans Union and declining all request I was advice to file a claim with CFPB.

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 2019-11-04
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: IA
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Foursight Holding LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to Foursight Capital. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure Foursight got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
I am a victim of identity theft. I have previously disputed this information with XXXX  however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : Capital One - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Factor Trust
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 belongs to someone else

Complaint:
I am a victim of identity theft. I have previously disputed this information with XXXX however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.

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 2017-09-09
Company: EQUIFAX, INC.
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:
A top story in the news today ( X/X/2017 ) is the massive data breach of borrower data collected and maintained against borrowers and potential borrowers. Equifax tracks my credit worthiness. I want to know whether my personal data was among that which was breached and whether CFPB is going to enforce my California Constitutional Right to Privacy, and how they intend to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax allowed my personally identifiable information ( address, credit information, social security number, etc. ) to be compromised and accessed by an unauthorized party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: WELLS FARGO & COMPANY
State: MD
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 payment status is incorrect, please delete.

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 2017-09-01
Company: Ceannate
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On Saturday, XX/XX/XXXX, I applied for XXXX XXXX, a program where one is given an installment loan on a XXXX cell phone. When applying you are submitting an application with XXXX XXXX. I submitted my application and knowing my credit score was over XXXX I thought I had no problem getting approved. I was then informed to call an XXXX before my application would be approved. I did so and the agent told me that my application was being escalated to another department for approval. I then received a call from XXXX XXXX   asking to call back, which I did and I was told they would have to run my credit a second time in order to make a determination. I informed them this would hurt my credit since it would be another " hard pull '' on my credit report, and I did not understand why they needed to do this. I was informed that they had to and they knew it would hurt my credit score but it was required. I have worked very hard to increase my credit score and knew this would negatively affect my score. After again stating I did not understand, they would not agree to proceed. This I think is illegal to pull your credit twice in a row when this negatively affects people 's credit, and for no reason. I also do not understand why XXXX uses XXXX XXXX when I thought I was applying with them. Another person would agree not knowing and be negatively affected. Either approve the application or deny, but to state they needed to pull the report a second time when it would hurt my XXXX score is not acceptable.

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 2021-03-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have not received escrow refund nearly 2 months after loan was paid in full ( XX/XX/XXXX ). online account showed escrow refund sent XX/XX/XXXX. Refund was not received, i called XXXX XXXX XXXX XXXX/dovenmuehle on XX/XX/XXXX. At that time it was indicated a problem with my address, instead of showing the street/number it showed " yes '', probably because my account was paperless with all docs sent through email stated the company rep. They said to write a letter signed by myself and spouse to indicate to correct address to property/mailing address ( even though this is an error on their system ). My address has never changed, have lived here since XXXX. I emailed this letter to customer service and received confirmation that it was received and account was confirmed with proper address. They said I must wait 30 days to call back if check still not received. On XX/XX/XXXX after receiving advice from my mortgage broker, I called XXXX & XXXX XXXXdovenmuehle again. Spoke to XXXX this time, once again she said my address shows as XXXX, XXXX, CA XXXX. She put me on hold a couple minutes, said the address has been corrected and new refund is being sent which should be received within 7-10 business days. 10 business days later ( XX/XX/XXXX ) I called again as no refund has been received. Spoke with XXXX this time. I advised i would like the refund expedited, and a tracking number. She advised she will transfer me to Supervisor. After many minutes, she came back instead of transferring to Supervisor and indicated that the previous check was stopped and a new check will be mailed, and that there was a problem with the address. I indicated the address issue is ongoing. I requested to speak to Supervisor because at this point it just appears they are playing games. Spoke with XXXX. She confirmed address is still wrong in system, was corrected in wrong place by prior people and she has now corrected it again while i was on the phone with her and new check will be sent out. I asked this be expedited ( overnight or tracking number ). She said she put that in the check request. I asked how i get the tracking number and she indicated to call back in 4 business days for that. This company has a serious issue with their address record keeping and inability to send out refund checks that are due to people that were on paperless accounts. I still don't have confidence i will receive my refund which totals {$5400.00}. I am betting that i will have to call again and my address will probably show incorrect again. We'll see what happens, but i am not waiting any longer to file this complaint. I have threatened multiple times to the company that i will do this and they dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unathorized person accessed my Wells Fargo checking account and made XXXX fraudulent transfers to another bank account. 

Posted Transactions XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD ON-LINE XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XXXX filed a claimm on the XXXX with Wells Fargo 's fraud department. They denied my claim about ten business days later. 

Half my bank account is gone and I don't know what to do, please help 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 monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would XXXX business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

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 2020-02-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Well Fargo is numerical showing payments were applied but never actually applied all.

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