BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
The incident happen XXXX, 2022. I can't remember the exact date when this happened. My emailed was hacked as well as my phone, and lost my wallet as well. Someone deposited a check into my checking account some where in XXXX Florida at a Wells Fargo bank without my permission. I was unable to get into my wells Fargo app due to password was changed on a lot of my accounts as well as my XXXX XXXX was hacked too. I found out that XXXX was deposited into my account and that the check that was deposited was returned for non sufficient funds leaving my account in a negative. I reported my card lost to Wells Fargo, but didn't know what was going on in my account at the time of reporting it lost due to I couldn't see what was going on with my account. Went to the bank on a Tuesday to find out that it was in a negative and told them that I didn't authorize to deposit any checks and I was no where near XXXX for that weekend. When I was in XXXX working the whole time. They closed my account and stated to do an investigation on my account. They sent me a check for XXXX cents when I know I had more money then that. Never heard nothing back from wells since now. They have been calling stating that I owe XXXX due to overdrawn account. I have told them that how am I liable for something I didn't do.

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 2023-06-17
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX sold a debt from XXXX to ALL DEBT SOLUTIONS, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The date the debt incurred was falsified to enable the collection agency to report the debt to XXXX and XXXX credit bureaus. I spoke to the collection agency, who told me I opened the account in XX/XX/XXXX, but that was false. The report was opened in XXXX. The debt has not been paid since XXXX and therefore needs to be reportable to the credit bureau. 
I also asked them to provide me proof of the debt, and they refused to do so,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently applied for financing for a home, unfortunately because of the false delinquent reporting ( XXXX currently ) on my XXXX XXXX XXXX XXXX  XXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company XXXX XXXX  for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been two months and still the misreporting shows that Im late to my payments.

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 2022-12-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my mother 's home for the past few months, upwards of 3 times a day. It's some woman that keeps calling. Every time my mother would pick up, she would say " she's not here may I take a message '' and they would respond " no '' or " I'll call back '' and hang up in my mother 's face. Well finally someone mentioned who they were and yes, I was livid. I have already received a letter from these people, but I am unemployed, as I have been for several years now. How in the XXXX did they get her phone number and why are they harassing a XXXX year old woman? The constant hanging up in her face, calling in the morning, afternoon and evening hours only to hang up and leave absolutely no name? Stop calling her! I have your letter and once I am employed I will definitely make a payment but these folks have no right to keep calling. I've already contacted the state attorney general ( Texas ) but I may take the extra step and contact the one in California since they are located out there according to their address. Stop calling my mother! NO MORE PHONE CALLS! I will respond as soon as my finances allow!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26
Company: SUNRISE CREDIT SERVICES, 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:
There is a collection account on my credit report that does not belong to me. I have no knowledge of this 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 2022-12-26
Company: Experian Information Solutions Inc.
State: NJ
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 MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: FISERV INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My purse was stolen on XX/XX/XXXX. Fiserv cut off my online bill pay to collect a payment sent out that day that they couldnt take out when my account was frozen by the XXXX. As soon as I was able to reestablish my checking account on XX/XX/XXXX, I called Fiserv and gave them permission to debit my new account for the amount. On Saturday, XX/XX/XXXX I discovered they had cut off my access again to collect the same transaction. ( 1 ) I paid them for that. ( 2 ) They provide no way for some one to make a telephone payment or online payment only to one of their call center service reps Mon to Fri thus denying me access to pay my bills over an entire weekend. This isnt right. Theyve now victimized me twice more after the thief. Further, their relationship is with the Bank not directly with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was XXXX  in XXXX  and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX  transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-12-26
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX attained my personal information without my permission. This collection agency doesn't have my verbal or written consent to have possession or disclose any of my personal information. The company violated my consumer rights by sharing unauthorized information with other third parties and reported unverified alleged debt that I refuse ownership or know of. This collection agency refused to follow the law and illegally report this collection to my consumer report. This company refused to respond to any letters I have mailed demanding verification of debt as well as following my cease and desist. I am giving the company XXXX days to remove the collection from my consumer report. If the collection agency refused then I will file a claim with the ohio General attorney 's office to start legal action on the sixth day. This is not an attempt to threaten but to outline my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was made under my identity without me knowing around XXXX. The account was closed by the person who opened the account in the first place around XXXX, without paying them the last billing amount. I did not authorize any of these actions at all and would like this to be resolved. I know the person who is responsible and would be willing to give their phone number and address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AP
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in an apartment called The XXXX XXXX until our XXXX  XXXX  in XX/XX/2021. I paid the final payment prior to leaving, and there was no property damage. My last week living there they removed access to the online portal used to pay rent and it was no longer possible to pay anything or see any bills. About one year after this their parent company sent me an email asking for about {$260.00} dollars. I thought they were confused about me paying the final electric bill so i sent them my receipt and asked for more information. They sent a very vague bill just requesting extra rent money but did not m were not clear what time frame or reason for the request so i asked for a detailed bill. They never emailed me again. Now they have sent a debt collector who has requested even more money with no explanation and seems as though it could be a scam. I don't know what to do with them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX  company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-12-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested proof of my consent that says that I gave permission and have not recieved it. Just because people ask for my data doesn't mean I gave permission. A better job needs to be done to protect our data. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this proof to me and they never did. Since they accessed my report and are showing up as an inquiry ; and I didn't consent it must be deleted. Proof doesn't mean give me the dates the company requested my info. That is not proof. Provide real proof or delete!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially applied for a XXXX down home loan with Flagstar Bank on the date of XX/XX/2023. I was approved with conditions for a home mortgage loan on XX/XX/2023. I have had nothing but problems since trying to secure this loan. I have to date made every effort to satisfy the conditions from underwriting and have been unsuccessful in being cleared to close for the simple fact that the underwriter claims that she is unable to source funds used to pay the requested accounts to XXXX. I have sent in multiple forms of documentation including credit card transaction sheets, XXXX ' worth of Bank statements XXXX and verification of payment through a third-party company ( XXXX ). Nothing has been able to satisfy underwriting. I brought these concerns to the president of the Mortgage division at XXXX a XXXX XXXX XXXX and my concerns were met with minimal response. I am currently under contract for a property, and I am now on my XXXX extension. I fear that I will lose out on my chance to be a homeowner due to XXXX 's negligence in handling my loan file. My appointed loan originator XXXX XXXX has elected to no longer be involved in the underwriting process, which is delaying the closing of my loan even further. I am asking that this issue investigated by a higher authority.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am locked out of my EXPERIAN.COM  account. I have tried for weeks called several times worked with agents and it has even esclated but noone will contact me! I have tried numerous times using the forget password. THe Experian account says sucessful password but when i try to get in it gives an error report UNABLE TO PROCESS YOUR INFORMATION AT THE TIME and they have even asked for snapshots. NO ONE WILL CALL and it has costed me hours of troubleshooting. MAybe they will call me and resolve this issue after you contact them. XXXX XXXX THis issue started when they hounded me to reconnect my bank and one of my creditors XXXX but could never get resolution. THeir system says all set but i continue to get the reconnect XXXX 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: MIB Group, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not made aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not made aware that I can opt out.

Company response to consumer: Closed with explanation