BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Working with Mr. Cooper to try to do a cash out refinance. Was told in XXXX that it could be done in XXXX. In XXXX I was told had to wait until XXXX. Found out through a different lender that had Mr. Cooper done the refinance in XXXX, they would have been penalized because it hadn't been a year. 
Conflicting information and when I tried to reach Mr Cooper about it, took a week to 10 days to get a call back. Tried to reach the representative 's manager, left several voicemails, sent an email and have never heard back from him. 
Because the refinance did not happen in XXXX, I am now being sent to collections on several accounts that I thought I would be able to take care of in XXXX. So now my credit score is bad and they say they can't do the refinance now because of the low credit score. 
I also was not given any other options, like a reverse mortgage. 
I do not know if anything can be done, but if I was given incorrect information in XXXX, the company should do the refinance now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Kikoff Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i have disputed this account for two years and no resolution. 
I WAS DENIED FOR AN ACCOUNT WITH KIKOFF AND i have proof. i have my denial and no emails about payments or even a log in being made. i never had access to this account. i have never been late because i never had an account. this is a terrible error that made my score suffer for years! i couldnt get an apartment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the inaccurate addresses listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inaccurate addresses below in my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
An ex XXXX employee stole my debit card info. I reported it to Wells Fargo and they denied the claim within a day. The amount stolen over a 6 month period was {$35000.00}. Wells Fargo 's claims team stated they couldn't prove i want involved and didn't approve the transactions. Why would I take my own money? 

I filed a police report, told them who i thought it was. The detective investigated and found proof it was her. She was arrested with XXXX charges of financial identity fraud. These are felonies and she could get up to 30 years. The attachment I'm sending is the police report along with her arrest information. She had to have a cash surety bond to be released on bail. 

I contacted Wells Fargo today. The detective brought me the report yesterday. I told them i wanted to reopen the claim now that there's proof. They stated, no they weren't going to reopen the claim and that i should call XXXX. I worked hard for that money for someone to take it and then for my bank to accuse me of being a conspirator. Again, why take my own money?

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 2023-11-29
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A collection was put on my account do to fraud. I was a victim of identity theft. I never physically went in XXXX and open a account. It had to be done on line do to my identity being stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Lenox Financial Mortgage Corporation
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Illegally ran my credit and refuse to answer the phone and when do get through they hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a credit card to get the 0 % APR on balance transfers. Given {$14000.00} line of credit, used {$7000.00} to pay down another card. Set up auto-pay so I wouldn't be late or miss a payment. Three months later, I get a letter stating they have reduced my credit limit from $ XXXX to {$7.00}. No notice, no reason - other than this big bank was not profiting off me. My credit score DROPPED XXXX points from this alone, when I was trying to improve my credit score. With all the lawsuits they have been involved in, I should have known better than to use their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent this as an email to management at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX and XXXX, XXXX, Hunter Warfield contacted me on behalf of XXXX XXXX XXXX XXXX XXXX and claimed that I owe {$12000.00} to XXXX XXXX XXXX XXXX XXXX. At this time, I would like for you to be advised that I am disputing this claim. 
On XX/XX/XXXX, during our visit at XXXX XXXX XXXX XXXX XXXX, your representatives XXXX XXXX, a XXXX XXXX employee and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX attorney. Your representatives presented and signed the Stipulation of Settlement to waive the {$12000.00} rent arrears provided I vacate the apartment on XX/XX/XXXX. 
Your failure to adhere to the agreement and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited letters, calls or text messages will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collections efforts in the attempt of collecting said debt. 
If you do not cease the aforementioned activity a lawsuit will be commenced against you. 
I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, text messages, emails, and negative credit reports, and that you update your records immediately. 
If action is not taken by you to cease and desist, and if you do not confirm in response to my email Monday, XX/XX/XXXX, and by mail XX/XX/XXXX, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 
I will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, I have my own interest to protect and will vigorously do so. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving phone calls from XXXX different numbers on XX/XX/2023 and XX/XX/2023. First number for credence resource management was XXXX XXXX XXXX. 
Second number was XXXX XXXX XXXX. When I look up these phone numbers it says these numbers are not safe and online advisement is not to talk to anyone calling from these numbers. Credence is trying to collect a debt allegedly owed to XXXX and XXXX XXXX for a cell phone bill under my name that was sent to an address to an address in Connecticut. I have lived in Massachusetts since approximately XXXX XXXX XXXX when I moved to Massachusetts from Pennsylvania with my parents. I am requesting that Credence Resource Management cease calling me to collect a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I filed CFPB complaint XXXX on or around XXXX XX/XX/XXXX. American Express closed out CFPB complaint XXXX on or around XXXX XX/XX/XXXX claiming it to be a duplicate of XXXX. It's not. In its response to XXXX AMEX provided a table of payment history on or around XXXX XX/XX/XXXX. That table shows a how AMEX is reporting the information for the account/tradeline to the CRAs. The table is filled with errors. CFPB complaint XXXX addressed the errors in the table. Any reasonable individual can look at the table and see the errors. For example if an account reports as allegedly thirty ( 30 ) days past-due in XX/XX/XXXX, and assuming no payment was made within the billing cycle, how can the account be one-hundred twenty ( 120 ) days past-due at the conclusion of the billing cycle? Even if XXXX ( XXXX ) payment was made during that billing cycle, 30 + 30 does not equal 120. Yet, that's what AMEX is furnishing to the CRAs, and what AMEX closed out XXXX without addressing. Moreover, if the account is alleged to be charged off on or around XXXX XX/XX/XXXX, how is it possible for the account to have a date of first delinquency of XX/XX/XXXX? That's the date AMEX continues to verify with XXXX and XXXXFinally, if the account is alleged to be charged-off on or around XXXX XX/XX/XXXX, how is it possible for the account to be reported as a charged-off account only beginning XX/XX/XXXX? All of this smells of unfair and unlawful acts and practices on the part of American Express who has failed on multiple occasions to correct the inaccurate information its furnishing for the account/tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Within the upcoming 15 days, I am slated to update my credit reports, and I earnestly anticipate the elimination of the following items from my credit file. Permit me to underscore that, as presented in FCRA Section 605b, Credit Reporting Agencies are duty-bound to eradicate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows 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
Consumer complaint received 2023-12-01
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX dba Attorney for Glasser and Glasser P.L.C. is attaching me to debt because my name is on the deed of the property. Glasser and Glasser purchased a debt from XXXX XXXX XXXX XXXX and is alleging I owe a debt when I have no contract with Glasser and Glasser P.L.C. Glasser and Glasser was notified multiple times first starting on XX/XX/2023 via Certified mail that there was a billing dispute between XXXX XXXX XXXX XXXX and the person on the Note. 
The multiple notices have been ignored by XXXX XXXX XXXX XXXX dba Attorney and agents of Glasser and Glasser P.L.C. 
The original mortgage has been bifurcated. This is likely due to the closing Attorney, XXXX XXXX XXXX, XXXX, who was assigned by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX license to practice law was suspended approximately 6 months after our closing due to making false statements on XXXX XXXX matters to XXXX agents. Then, 7 months after that, his license to practice law was revoked for misconduct. A notice has been sent to XXXX XXXX XXXX XXXX and Principal for Glasser and Glasser P.L.C. via Certified mail regarding this matter. 

XXXX XXXX has been noticed of the error at closing via XXXX Mail. 

This complaint is being provided so that XXXX XXXX XXXX XXXX doing business as Attorney and any other agents of Glasser and Glasser P.L.C. CEASE and DESIST collection efforts and threats to foreclose on the property. In addition, Glasser and Glasser and its agents must CEASE and DESIST attaching me to an alleged debt for which I am not responsible. 
Glasser and Glasser has been notified via Registered Mail that this debt has been discharged per the original note holder. 
Notices to XXXX XXXX XXXX XXXX have been ignored and now he is threatening to foreclose on this property using deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

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