BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: Element Global Services
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection agency Element Global Services had an agent named XXXX contact me at work while I was teaching. He gave me a deadline to call him back or he would be calling my boss. He threatened to have me put in jail and taken to court if I did not pay a certain amount of money on the spot. He also refused to identify himself when he first called. XXXX also threatened to contact my boss with the recording of the line that we were on to show him my " character '' after he made numerous other threatening statements. After researching this company on the internet I have seen nemerous complaints about intimidation tactics from them. XXXX knew information about me that he should n't have and that was an extremely scary thing. I felt harassed and violated by this man.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX ) XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-08-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan with XXXX and was issued a prequalification letter. I contacted my realtor and went under contract for a house on XX/XX/XXXX.  I was currently in a rental and had to be out byXX/XX/XXXX so that the owners could put the house on the market. We asked for buyer possession and we along with my realtor kept asking was everything moving smoothly with the loan along the way and we were told yes. Everything they asked me or my realtor for they received immediately.   My realtor contacted XXXX XXXX on XX/XX/XXXX because we were scheduled to take possession on the XXXX and she was told that it was in underwriting and we should here something that day or the following day.  I then called and spoke to XXXX XXXX and was told everything was moving smoothly and we should not have any problems.  I still didn't feel comfortable so I still waited to the following week to start moving items in the house and had my movers scheduled to come on Friday XX/XX/XXXX with my bigger items. My realtor contacted them again on XX/XX/XXXX because no one has yet to confirm that we had final loan approval  and were scheduled to close in a few days on the XX/XX/XXXX and XXXX emailed her back and said my file was still in underwriting and we should have final loan approval today.  I then called him later that day to check on the status and I was told that the underwriter did not feel comfortable approving my loan so it was denied.  Imagine my shock because now I am homeless and do not know  what we are going to do.  My realtor gave me the number to 2 local mortgage companies to see if they could help and they both said just solely based on pulling my credit that I should have never been issued a pre-qualification letter. I feel like this company mislead me and had me spend thousands of dollars on moving and inspection expenses by leading me to believe I was qualified to purchase a home.  I am a military veteran that served  this country and this is the thanks that I get? If they would have been honest with me, I would have just found another rental and fixed me credit and purchased when I was qualified.  We have all emails and my realtor also have email transactions from them as well as proof. They left me homeless and ruined my life and will not return any of my calls or calls from my realtor to try to fix the mess that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX  partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-07-13
Company: EQUIFAX, 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:
I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX ) XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Chase credit card claims trip insurance. My claim fully qualifies in all ways to this policy. The claim is handled by XXXX XXXX XXXX  ( XXXX ). 

They require an extraordinary amount of document, all of which I provided. I went back and forth with them 5 times from XX/XX/XXXX to XXXX of XXXX. 

When I finally submitted all of the required documents, they started asking me for the same documents that I already provided. 

Clearly they have no interest in honoring this policy. 

I have notified Chase of this problem to no avail. 

Should check the number of times this company actually pays customers back. Whether or not Chase is unaware of this is unknown to me, but they're not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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 and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX Balance : {$8400.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX Balance : {$4800.00} XXXX Balance : {$8800.00} XXXX XXXXXXXXBalance : {$8600.00} XXXXBalance : {$7400.00XXXX XXXXXXXX XXXXBalance : {$4500.00} XXXXBalance : {$3600.00} XXXXXXXX XXXXBalance : {$5700.00} XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2015-07-17
Company: Rozlin Financial Group, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
There was a big scam through XXXX at XXXX XXXX and they were forced to close this XX/XX/2009 XXXX XXXX XXXX were scamming as well told the kids they were clear, then turn around and charge them and there parents $ XXXX {$700.00} each at the end of what they told XXXX-and XXXX yr olds kid " you have been cleared " they kept there last months grant funds which in this case was about {$370.00} times XXXX student then charge them again {$600.00} each and then each parent $ XXXX {$700.00} totaling nearly {$6700.00} they got my name through student registration i never signed there lease .this is a scam through XXXX which was shut down because the lied and there the same way and should be shut down for there misrepresentation to all those kids and there parents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of XXXX Bank of New York Mellon ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The Bank of New York Mellon on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The Bank of New York Mellon is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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 and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$4500.00} XXXX XXXXBalance : {$8600.00} XXXXXXXX XXXXBalance : {$8800.00} XXXX XXXXBalance : {$4800.00} XXXX XXXXBalance : {$7400.00} XXXX XXXXBalance : {$5700.00} XXXX XXXXBalance : {$3600.00} XXXX XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX, XXXX and Experian are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
On today 's date XXXX XXXX 2021 Wells Fargo Credit falsely reported that I was 30 days late. In which I was only {$12.00} short on 12 of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.

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 2020-03-10
Company: First Financial Resources, Inc.
State: NH
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 not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Feldman & Stern, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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