BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-13
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Source Receivables MNG is requesting payment for a XXXX account worth {$10000.00}. The collection was opened on XX/XX/2019. I disputed the charge on both XXXX and XXXX, but both didn't find identity heft. I called Source Receivables MNG and was told to fill out a fraud packet. I have never had a XXXX Account. My whole family uses 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 2020-06-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about four months ago Midland started contacting me after they bought XXXX   account. So, as their attempt to collect on the debt, in this email to a lawyer this is a snapshot of some of the threatening tactics used by the personnel listed in said email : XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX  To whom it may concern : Right now as we speak, the above mentioned credit collection agency is attempting to collect on previous debt, that they have bought from XXXX XXXX  XXXX. Now, it is my understanding that under Georgia Law and the F.C.R.A I have certain rights as the debtor, it is my intention on paying some of the alleged debt, but the person I spoke with on the phone is only giving me verbal promises, and as such I am not fully confidant of XXXX XXXX ' sincerity nor her agreements for me to pay on or satisfy said account. 


I would like a free consultation on matters I can take, there has been two letters outlining what is owed but validation can still be sought, the letters state, that around the XXXX of this month debt would be considered valid, as I am in the pre- legal status what ever that means. 



Sincerely, Mr. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Total Card, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid 4 accounts that were charged off from XXXX XXXX through their collection agency however the collection agency has not sent proof of Accts 4 accts being paid off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-13
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX Bank account was charged off. Account was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX Bank XXXX XXXX, rep id XXXX, in XXXX at XXXX XXXX on XXXX/XXXX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX XXXX XXXX XXXX XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.

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 2020-06-13
Company: Experian Information Solutions Inc.
State: CA
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 uploaded a letter to Experian disputing an item on my credit report that had reached Statute of limitations on XX/XX/2020 for the state of California. I submitted this dispute with Experian for a XXXX XXXX XXXX XXXX   account, on XX/XX/2020. The results that Experian sent back to me on XX/XX/2020 are unclear and resolved nothing.

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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.

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 2016-07-11
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I received a letter from Wells Fargo stating that I had requested loan assistance. I had not so I contacted XXXX XXXX who sent the letter and he never responded. Then I received notice stating my home was going up for sheriff sale on XXXX XXXX, XXXX. I hired lawyer and she found a XXXX XXXX was handling the sale, she reached out to him and he would not respond. I got a stay on the sheriff sale until XXXX, however Wells Fargo has not provided any of the information I requested even after several visits to their branch. Now I am being told that the loan history and documents may take another week to receive and this has been going on since XXXX, XXXX. I have numerous documents regarding this issue and have spoken with the Wells Fargo Branch Manager in XXXX XXXX Delaware. Now Wells Fargo is telling me that I could file a request with their Office of the President in regards to this matter. Also this whole foreclosure situation was started in XXXX and no one has sent me a collection letter or a statement in regards to this loan in over 8 years. All I want is to stop the sheriff sale of my home and find out what is going on in regards to this loan which they say I owe {$140000.00} on and keep my house. This situation is so complex even my lawyer and the branch manager are confused by what has taken place. I have many documents to support my issue but I am not able to upload them to my computer because I do not have a scanner and several of them are XXXX-XXXX pages long. I know these documents would help however I can provide them by mail if that is possible.

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 2019-12-16
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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed 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 explanation
Consumer complaint received 2020-05-29
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: Personal information incorrect

Complaint:
XXXX, Equifax, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today XX/XX/XXXX and on XX/XX/XXXX I saw on my trans union XXXX report. On XXXX and transuion XXXX credit report. They have inquiries that are due to identity theft. Trans union inquiry is XXXX XXXX. On XXXX  is 2 inquiries one from XXXX XXXX XXXX and from XXXX National credit card cos. These inquiries was not done by me. Also XXXX  has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX  ... XXXX this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. XXXX XXXX XXXX XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX.  That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it

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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX I disputed XXXX XXXX XXXX and XXXX XXXX on my TransUnion Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

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 2021-12-11
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please stop trying to collect a debt that was charged off and I received a XXXX and charge off from capital one many years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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: Was not notified of investigation status or results

Complaint:
I am reaching out in regards to the credit bureaus not notifying me of my dispute investigation. It has been more than 2 months and haven't received any results. I mailed out a regular dispute letter on XX/XX/2020 and a 60 day demand to comply on XX/XX/2020. I have no choice but to file a complaint with the cfpb.

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 2015-12-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.

Company response to consumer: Closed
Consumer complaint received 2021-12-11
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Canceled XXXX subscription. Several months later, XXXX withdrew a monthly payment from my checking account. A call to XXXX resulted in an immediate refund. Several months later, I began receiving letters from debt collectors trying to collect the refunded amount. There is no debt. XXXX confirmed over the phone that there is no debt. However, Enhanced Recovery Company , LLC, XXXX ERC and/or Enhanced Resource Centers continues to claim the debt is valid and verified. Company has yet to provide any proof of validation or verification besides a simple printed output from their computer system. No proof from XXXX was provided, more than likely because it does not exist. This is in addition to sending letters to previous addresses, in and attempt to intimidate and embarrass, although they have receive correspondence and verification of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have disputed the illegal reporting of XXXX XXXX XXXX to XXXX and XXXX will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

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 2020-06-13
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a PayPal payment to a retail provider in XXXX for an item they had for sale. PayPal had received my request and had put the transfer into " Pending '' status and have not made the funds accessible to the provider. I have not been able ( after many attempts ) to contact PayPal to find out why this payment has been held up. I would like PayPal to release this payment so I can receive my purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Ocwen Financial Corporation
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!

Company response to consumer: Closed with explanation