BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: WILLOW BEND MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I got my preapproval letter from a lender that my realtor recommended so started looking for home once i found house we were suppose to close on 2 weeks had to put down XXXX down for XXXX XXXX did the inspection and was just waiting for lender to do is part they became a ghost would no take my calls or my realtors calls after 3 weeks they called back and told me they needed to talk to my accountant since I'm self employed had her move numbers around on my business side then to come back and say that my loan had been denied so I not only lost my XXXX but my time and some other expenses that came up with all the paperwork they were requesting end result they just cancel contract and didnt tell me anything apparently we signed a paper during the process that said that we would loose money if we didn't close in a time that the contract said now they don't even answer my calls very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Americollect INC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect INC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: CITIBANK, N.A.
State: MO
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:
On XX/XX/2022, I mailed my dispute letter to Citi cards CBNA ( see Exhibit A ) and received their Response dated XX/XX/2022 ( see Exhibit B ). Their response notified me that they have not investigated my dispute. I writing this complaint because their response is unjustified, and I need CFPBs assistance in resolving this matter because Citi cards has provided XXXX different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Citi cards account was never Delinquent or Included in Bankruptcy and should never have been reported that way ( see Exhibits C and D ).

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 2022-09-26
Company: Experian Information Solutions Inc.
State: KS
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:
Experian is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If Experian is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately.

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2022-09-26
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased an item from an XXXX XXXX XXXX and had a choice of paying via PayPal or a credit card. I paid via credit card and did not set up a PayPal account. However, PayPal sent me an email stating I had set up a PayPal account and needed to create a password to continue setup. This is a fraud. See attached email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09
Company: Green & Sons Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated at XXXX XXXX in 2016 for a serious injury to my XXXX. The Property Insurance Adjuster actually transported me to the office several times to assure I was treated and took care of all the paperwork and accepted liability and paid the bills, On the last visit I was told there was no balance and have never received a bill from that date forward. XXXX XXXX 's office aparently decided to pad the bill years later and give it to Oursource receivables which has reported it to my credit and in order to keep it on my credit, they just change a few details and update it. I called them to get their official contact information so that I could file the proper complaints and the woman says, the bill is {$480.00} but I actually own over {$800.00} and she doesn't care if any insurance paid the bill or took liability, I owe it because XXXX XXXX XXXX  says so. I have disputed it through XXXX and Outsource Receivables refuses to remove the fraudglent billing from my credit, saying its up to their client, XXXX XXXX and admitted that XXXX XXXX never told them about the property insurance coming to his office personally and taking full liability and its not their problem, anyway, as they don't deal with insurance companies. I asked for the identity of the owner and the woman says " We don't have to tell you last names, but the owner is XXXX. I want this removed from my credit and them to stop fraudglently billing me. The woman on the phone tried to trick me by saying, " Oh you admit to receiving the treatment, so you obviouslty owe the bill '' I never denied getting treatment, but none that was not paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/201XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

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 2022-07-04
Company: EQUIFAX, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-26
Company: EQUIFAX, INC.
State: MD
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:
These items are inaccurate and are injurious to my credit rating. 
The following inquires were never authorized : EQUIFAX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This is inaccurate reporting and damaging my credit report. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting.

under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section XXXX : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
None of those agencies mentioned within this complaint never had any instructions from me nor Equifax or XXXX. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized None of those agencies mentioned within this complaint nor Equifax or XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported by agencies mentioned within this complaint and Equifax and XXXX. 


I NEED THESE INQURIES REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions

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 2022-09-26
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: Credit inquiries on your report that you don't recognize

Complaint:
FILED FTC IDENTITY THEFT REPORT # XXXX BECAUSE XXXX, XXXX AND XXXX HAS INQUIRES ON MY CREDIT REPORT THATS NOT MINE ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXXXXXX // Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2022 Date of inquiry XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX // XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since the new year, it's only been 23 days. This company has called me over XXXX times. I get 2 calls a day from them. I have told them I do not have the money and they continue to harass me every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle Mortgage / XXXX XXXX XXXX XXXX XXXX XXXX  ) will not complete the Covid Hardship Deferment process that they offered to me. When I called them in XX/XX/XXXX to explain that my tenant was several months behind in rent but could not evict her due to government Covid eviction restrictions, they offered to me a 3-month Covid Hardship forbearance at the end of which would become a deferment. When I called after the initial 3-month forbearance period ended in XX/XX/XXXX to find out how to complete this deferment process, they must not have understood my request because, what I learned later, they simply extended the forbearance period another 3-months. ( At this point I " skipped '' only 2 payments. ) After receiving past due letters I called them and found out that there was documentation needed in order to complete the deferment process and again they granted another 3-month forbearance period. I submitted the covid hardship form along with all of the requested documentation and resumed making the monthly payments. ( As my attached payment records show, I " skipped '' only 5 payments even though I was allowed to " skip '' 9 payments during this forbearance period. ) Even though I paid more than was expected from me during this time, I started receiving past due letters. After hours and hours of making many phone calls ( most of my time was spent on hold and being transferred ), emails, faxes, certified mail, etc, the only response I ever received, and continue to receive, is that I am missing documentation ( like paystubs ). I kept resubmitting the same requested documentation via fax, emails, etc. This went on for months until I received a summons at the end of XX/XX/XXXX to appear in court. The judge told both myself and the lender 's lawyer to contact Dovenmuehle/XXXX  to find out what is going on with my account and to find out why my payments have not been applied properly. ( I also learned that they had not been applying my payments to my account but rather to a " suspense account, '' which of course artificially made my account " past due. '' ) This is still going on. I called again today, XX/XX/XXXX, and was told, once again, that they are missing the same documentation ( paystubs, page 6 of a form that " got cut off in the fax, '' etc. ) My next foreclosure court date is XX/XX/XXXX. I am attempting to do what the judge instructed and find out what is going on with my account so that this can be resolved before this date. I have attached my payment records, my correspondence log, and the list of documentation provided to Dovenmuehle/XXXX, their lawyers, and the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Well Fargo Closed my credit card for no apparent reason. I barely had a chance to use the card. Basically they said my credit score had dropped slightly and I am no longer worthy of the credit limit that they had given me in the amount of {$3000.00}. I have never been late on any credit cards and now this is hurting my utilization score and credit number. I cant even get anyone in the phone. The card number is XXXX XXXX XXXX XXXX This is just so upsetting when I have not done anything wrong. 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 2023-01-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Sam 's Club Mastercard through Synchrony and they out of no where Closed my account. Account has always been in Good Standing and always paid on time. From one billing cycle to the next account was closed.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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