BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX allowed Midland Credit Management to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. Midland Credit Management closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( XXXX XXXX XXXX XXXX REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they XXXX XXXX XXXX XXXXXXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXX due to the hemorrhagic XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any physical or mental stress and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such XXXX XXXX XXXX XXXX XXXXXXXXthank you.F.G

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint relates to XXXX and PayPal. I used the latter to pay a recurring subscription for the former ( XXXX subscription that had ceased to be available ). I could not find a way to cancel the subscription through XXXX or XXXX. So I tried to cancel it through PayPal. PayPal makes it incredibly hard to figure out how to cancel a recurring payment and the instructions they provided could not be executed. I decided to cancel my account with PayPal and in the process they offer a warning that doing so may irreversibly impact my reputation. This is fraud! This would never be tolerated by a bank. Why is tolerated for a non depository payment company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently tried to dispute my delinquent payments on my credit file due to my XXXX. During the time of the aforesaid hardship i was XXXX XXXX  and XXXX  and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was XXXX  for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my XXXX  and would have not been late if i wasn't XXXX. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was XXXX  and explained to them that i wouldn't have missed the payments if i wasnt XXXX. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

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 2020-10-08
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have contacted XXXX trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Their investigation did not fix an error on your report

Complaint:
I have a Charge-off on my credit reports reported by the 3 credit bureaus ( XXXX XXXX and Transunion ) being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a Goodwill gesture to remove their reporting from my 3 credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my 3 credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my 3 credit reports from each of the XXXX 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 2017-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.

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 2021-12-06
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: Personal information incorrect

Complaint:
I've been trying to contact equifax for over a year now to correct my credit information. I had a legal name change in XX/XX/2020 and I contacted them when they were causing issues with incorrect information beginning XX/XX/2020. They required I send in documents which I sent my ID, social security card, proof of address, and legal name change court document. I sent 3 copies of these documents 2 times and they claimed they never recieved them in the mail. I called and they claimed I could fax the information so I faxed it 4 times and they claimed they only recieved one copy. Finally they said I had to verify my account information and they unlocked my account which they never told me was locked, I was just unable to login. I finally am able to access my account and they aren't reporting my accurate legal name nor my credit accounts correctly. I've called over 20 times and most of the time I get a very rude customer support representative, who doesn't speak XXXX well, and will start using my old incorrect name when they learn I've had a legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: VA
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:
Equifax, XXXX, and XXXX have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me great humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning. I was affected by it from XXXX until 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 2021-06-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, Shellpoint Mortgage Servicing became my new mortgage provider. When I notified them, they stated I had not made payments since XX/XX/XXXX. After conversations back and forth, I decided in XX/XX/XXXX, to write a letter and attach {$5800.00} of receipts. Still, Shellpoint Mortgage Servicing DID NOT want to apply these receipts to my account. Shellpoint wanted me to repay what I already paid. Why should I? What happened to the money that I had paid to them? Finally, in XX/XX/XXXX, I was placed into Foreclosure, after I forced them to apply the payments. I have received letters stating they can help with several options, such as refinancing, deferment, reinstatement, repayment plan, etc. Each time I inquired about these options, I was told the OPTION I had was reinstatement ( pay 1 payment and catch up the entire amount ). Please note I would have preferred a prepayment plan to catch up the payments in several months, but I WAS DENIED IN TAKING ADVANTAGE OF THIS OPTION. 1 ) Currently, I would like for you to inquire about this with Shellpoint Mortgage Servicing for it appears to be unethical and illegal ; 2 ) Do you know if the government will extend Forbearance? 3 ) I read in an article, is you are in Forbearance, interest, taxes, etc. are not to be applied. These Fees are added each month to my payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: MA
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the 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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.

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 2022-04-30
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:
{$470.00} XXXX XXXX Closed Charge_off {$330.00} XXXX not more than two payments past due {$390.00} XXXX XXXX XXXX Not More Than Four Payments past due {$6.00} XXXX XXXX  Pay as agreed XXXX XXXXXXXX XXXXk Self Closed account Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Services XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act Convergent Account # 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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found unauthorized charges and some of them were occurred when I was out of Country which I filed the claim twice and they did not fix the problem and charged all of them back as my charges.

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