BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
It all started when I paid off one of my old bills, which I did because it was a old utility bill from XXXX XXXX XXXX. I have XXXX XXXX XXXX now so I decided to pay it, even thou I did n't know it existed. We had moved from my old address which is noted on my evidence back in 2014 and I figured they would just keep my deposit for the balance which they did. I was n't aware of any residual balance until a few months ago, when it popped up on my Experian credit report. Eperian just reaged it to look like I new account.

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 2017-08-28
Company: Lamont, Hanley & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX Ref # : XXXX, XXXX XXXX ( sp? ) of Lamont, Hanley & Associates , Inc. communicates in a most unprofessional and abusive manner, using veiled threats and insulting the intelligence and professionalism of lower level employees who happen to answer the phone ( who have no access to the billing information he is looking for )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have contacted and sent a dispute letters to the companies regarding that I never opened these accounts. However, they refuse to remove them from my credit report. I was incarcerated doing the time these account were open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: PMAB,LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a XXXX XX/XX/2020 and wasnt notified that I owed the bill. I have a copy of a letter where the hospital states all financial obligations have been negated due to financial assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AES/PHEAA
State: CT
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:
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I submitted a complaint to XXXX on XX/XX/2021 detailing XXXX XXXX 's fraudulent activity towards my account ( Complaint XXXX ). XXXX improperly closed the complaint upon receipt of an irrelevant response from XXXX XXXX. XXXX XXXX 's response contained no facts related to the complaint and referenced an unrelated money transfer. 

Please reopen the complaint XXXX and compel XXXX XXXX to respond to the specifics of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
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:
Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : Experian XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.

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 2017-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 2018-03-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the XXXX XXXX late payment is wrong. i have not been late. 
ask 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 2017-08-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I used XXXX XXXX XXXX XXXX to obtain a loan for a XXXX XXXX inXX/XX/XXXX. I started receiving calls from collections because they said I did not pay the correct amount. I have always paid on time and was confused. I went in and out of the bank trying to find what was wrong. Finally XXXX  XXXX a Banker for Wells Fargo took the time to investigate thoroughly and found that Wells Fargo Dealer Services has been charging me for insurance. Although on many occasions my XXXX XXXX Broker has faxed the proof of insurance they were still charging me. In order to end this matter against my judgement at the advice of the Banker I agreed to pay XXXX for the months that they say I owed. I received a phone call inXX/XX/XXXX that said I owed a late fee although I disagreed I paid extra fees on my XX/XX/XXXXpayment. OnXX/XX/XXXXI received a phone call from Wells Fargo Dealer Services telling me that the payment I made inXX/XX/XXXXwent toward my payment and not the fees. I explained that the teller told me that he collected the car note and fees, I have not control on how they are allocated. I was also told at this time that my payment is higher than normal because they have added insurance to my note. This is the third time this has happened and My XXXX XXXX Agent can corroborate.

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 2022-03-07
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:
I've sent numerous letter to TransUnion advising of said information and to no avail have they acknowledged said inaccuracies or deleted said account to abide by the FCRA compliance. 

They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting documents providing such proof. 

How can two debt collection companies XXXX XXXX  and XXXX XXXX attempt to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, screenshot of the account on my credit report with TransUnion. Also, the mail sent by XXXX XXXX XXXX XXXX XXXX attempting to collect on the same alleged debt. 

This is clear violation of my civil rights and the FCRA guidelines. 

Permanently delete said account asap for inaccurate furnished data to be in compliance of the 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: OH
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:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Credit inquiry on my report should be taken off I dont have a product from Citzens one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received 4 emails from Ally Bank stating that my accounts have been restricted for suspicious activity on XX/XX/XXXX. I contacted them by phone and was never given a clear reason for the restriction. However, I was informed that there was no suspicious activity on XX/XX/XXXX and the account was restricted because an investigation was opened on a dispute claim that I had filed on XX/XX/XXXX when I discovered my debit card had been stolen. I believe it is important to note that I received a new debit card after the XX/XX/XXXX dispute claim and had no issues accessing my account until XX/XX/XXXX. I have contacted Ally multiple times to attempt resolution with no success. The information I have been given has been contradictory and inconsistent. I have been given multiple different deadlines for the investigation to be completed ranging from 10 business days to 90 days. I have requested the initial dispute be canceled because I obtained more information from my family that the charges were legitimate. I have requested to speak to the investigator and was told the investigators do not take calls. I would really just like to have this resolved quickly and regain access to my funds.

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 2017-04-06
Company: Oakridge Direct Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-20
Company: PAY-O-MATIC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
At or around  XXXX  I visited Pay-O-Matic to send money to my teenage daughter who was in  XXXX   XXXX . I received a call from my daughter that she had issue picking up and the funds, which I was charged {$24.00} to send and when I reviewed the receipt I realized my daughter 's middle name was listed as her first name. I returned to the Pay-O-Matic at  XXXX  when I had a short break between work calls, I waited for the cashier who helped me to complete the transaction with her client, I signaled the gentleman who was next in line alerting him it would only be a second because I was there earlier and the young woman made a mistake with my transaction. He graciously allowed me to go and I showed the clerk the error, and she responded " you still need to get in line I cant let you skip the line. '' I asked for the  manager, sh e said " she 's right there but you still need to wait in line. '' I called the number listed in store  (   XXXX  ) to speak with someone re : the improper information entered and the fact that I was frantic when my daughter extremely needed the money and could n't receive it because of the clerk 's error. I also want to note that while t he manager calle d in to fix my transaction ; she asked I move to the side to handle the next customer.   My daughter has gon e to two lo cations, had to pay transportation and could n't receive her funds. The customer service I received was poor! especially given the fact that my  XXXX . was thousands of miles away, I paid for money in minutes it has been hours and I was made to wait additionally while the crowded check cash continued business as usual, and helped someone else through my turn.   I am asking for a formal apology from the business, and a refund because I paid {$27.00} for daughter to receive much needed money in minutes, and because of clerk/ashier error it took hours.   I also believe that the business needs to speak to the staff about quality customer service despite demographic community/area served.   On review of the slip it was completed correctly, and was data entered incorrectly. I look for speedy resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent Transunion a letter informing them of a potential fraudulent account on my credit. They said that my concern was not valid without even conducting an investigation. According tocthe Fair Credit Reporting Act Section 611 [ 15 USC 1681I ], they should conduct a reinvestigation my credit file. They have no way to ascertain the legitimacy of my action without investigating the items in question.

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 2022-09-01
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently paying PMI on my house. Mr. Cooper -- my loan servicer -- told me that PMI would be removed ( at my request ) once I had paid off 20 % of the loan. In fact, XXXX XXXX, who currently holds the loan, lists that as the necessary requirement for having PMI removed. 

When I hit 20 %, I immediately contacted them. I was told the house needed to be appraised again ( this is NOT a requirement by XXXX XXXX -- they say it can be based on the original value ). Regardless, I went ahead and said yes. I was told an appraiser would contact me. 

The appraiser never followed up. I contacted Mr. Cooper today and was told my loan was reviewed and there decision was to not remove PMI. This was based on " no evidence of substantial improvements. '' I was never informed of this decision. I was NEVER asked to show any evidence of substantial improvements or show any documentation. We have made significant improvements on our home. Even with that aside, we have still paid off 20 % of the original price so there's no reason we should have PMI on the loan. At this point, Mr. Cooper is charging me and having me pay money for something I shouldn't be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX was supposed to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Pnc bank is double charging for over draft fees. Once when it post and then again when they return the items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had payment arrangement with Alliance One in which they were debiting my account via a bank card for a traffic violation with XXXX XXXX  XXXX XXXX. When I observed the debit for XXXX, XXXX, I reviewed prior statements and realized that they continued to debit my account long after the fine was paid. According to XXXX XXXX, the fine was paid XX/XX/XXXX and Alliance One continued to debit to XXXX. When I spoke to Alliance One, they said I am owed {$9.00} as an overpayment. My summons number is # XXXX. Alliance One states that the funds were forwarded to XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX states that they did not receive any additional funds. Alliance One telephone # XXXX

Company response to consumer: Closed with non-monetary relief