BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Pro-collect in XX/XX/2019 regarding a {$910.00} debt for XXXX XXXX in Texas. I am a victim of identity theft. I have filed a police report and I have provided a copy of my police report, identification, my mortgage statement, and my power bill. I forwarded this information to Pro-collect to prove that this debt does not belong to me. I have requested copy of the identification that was provided to XXXX XXXX and a copy of the lease and/or application to compare my signature. This information has not been provided to me. There is no identification on file, no drivers license, no passport, no ss card, and the lease was signed electronically, so no signature. Pro-collect is aware of this and still will not delete this account. This debt does not belong to me. I am a Georgia resident and I have NEVER lived in Texas. I did not give anyone permission to use my information for any reason. I need this collection debt removed. 

I am attaching a copy of the police report, an identity theft report/affidavit from the federal trade commission, proof of utilities via XXXX XXXX  and XXXX XXXX, and a copy of my mortgage statement.

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 2020-06-21
Company: Accounts Management, Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First off I was never aware of this debt until it was too late and in collections which I tried to dispute with them, they were extremely disrespectful to me when I was just trying to explain what happened, then I said would be willing to pay money down then monthly installments but that was contingent on them giving me a letter that they wont report it to the credit bureaus if I pay it off, this debt could destroy my credit and it should never of been placed in collections. They refused to provide a letter. Ive also had 3 phone calls at my workplace

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent all the credit reporting agencies an official statement on XX/XX/2021 letting them know these accounts were fraudulent and inaccurate, and they were supposed to block or remove after 4 days of receiving. to this day XX/XX/2021, these inaccurate accounts are still reporting on my credit report. I feel as If my consumer rights are being violated, and I hope the CFPB can remedy this situation. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2019-08-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: LEXISNEXIS
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 am Consumer number XXXX. This concerns case # XXXX I received my Consumer Disclosure Report and note that In the phone records, pages 15-16, records 2-10 are associated with addresses I've never lived at. I would like this information deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MS
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted 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 2017-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-05-31
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled a copy of my credit report and to my surprise I noticed that the credit bureau is reporting a medical debt that keeps being sold to several collection agencies illegally. Each time it can't be verified it's sold to someone new this alleged debt they are reporting under my social security number. Being that I constantly check my credit report to ensure that the credit bureau only retain current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHTS to do so. I DID NOT AUTHORIZE the credit bureau to mis-report any mis-information now or ever. Equifax is reporting inaccurate incomplete information in regards to XXXX XXXX a medical account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Fairway Independent Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Early XXXX of this year, XXXX, we wanted to be qualified for a loan to purchase a home. I asked the home builder of their preferred lender. They gave me the information below : XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX Direct XXXX Fax XXXX XXXX At the beginning he was responsive to our questions and concerns. But as time went by, couple of weeks, he started not returning my emails of phone calls. I called to set up a time to talk, but he would skip the phone appointments and come up with an excuse. By mid-XXXX of XXXX, it became clear to me he was avoiding all contact with us, and hoping we would just go away if he did not answer my phone calls and emails to him. Once we sent in copies of our driver 's licenses, he ceased all communications with us. We have the financial wherewithal to meet and exceed our monthly mortgage payments. I see no other explanation of his discrimination but for the fact of our skin color.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Navient Solutions, LLC.
State: NJ
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:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a customer of Chase and my credit card was used for charges without my knowledge or permission. I received a call from a guy working for XXXX asking me to renew my subscription I had with them. I agreed to renew my subscription with them and my card was going to be charged for {$1.00} to get this started. I only agreed to this charge of {$1.00} for XXXX, I did not authorize this person to use my card information to make purchases at XXXX for {$850.00}, XXXX {$7500.00}, XXXX {$10.00}, XXXX {$810.00}, and another XXXX charge of {$40.00}. I only agreed to being charged for XXXX at the price of {$1.00}. I am a victim of fraud on my credit card, I want Chase to do another dispute for this and refund the money for the charges listed above. All of these charges happened between XX/XX/2022 through XX/XX/2022. I did not ask for these items, I did receive these items and I had no knowledge this was happening until I saw my statement for the month. Chase also promises in their terms and conditions that customers are not held responsible for fraud charges if they are notified within a timely manor, I did notify Chase of these fraud charges within the time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: UT
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've had an account with Best Buy ( Citibank ) for over 24 months. I have NEVER been late, always paid on time. On XX/XX/2022 I noticed a late mark on my credit report and I immediately called Best Buy. I explained to them that I had a fraud alert on my card ( someone was taking money out of my bank ) and I cancelled that account. I told the agent I had NEVER been late and if they could please remove that late mark as it had DESTROYED my credit score. She said " Yes of course, we'll go ahead and DELETE this late mark right now and you should see no late mark on your report in 30-60 days with our updates '' I said thanks and patiently waited for 30 days .... nothing ... then 60 days... still nothing. I called again late XX/XX/2022 and spoke to another agent and explained the situation. He said " Oh yes I do see that it will be removed in the next 2 days. It looks like you called a few days before the 60 day mark so by XXXX it will be REMOVED '' I said okay great thanks and patiently waited. Fast forward to XX/XX/XXXX, still NO UPDATES..so I called for the 3rd time and spoke to an agent that said " No we do not do credit updates and will never do that so I apologize for the wrong info. Theres nothing that we can do '' SERIOUSLY?!?! I am so frustrated with Best Buy ( Citibank ) on this. I NEED SOMEONE TO FIX THIS ERROR. You guys just let your agents LIE to your customers?!?!

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My employment information is incorrect and my name is incorrect and my address is incorrect. I have updated several times and the credit Bureau keeps changing it back.

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 2022-04-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
According to the fair credit act XXXX  Account # XXXX, Have violated my right. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section States I have the right to privacy 15 USC 1681 section 604 Section 2 : it also states A consumer Recording agency Can not Furnish a account without my written signature 15 USC 1666B : A creditor may not treat any payment on a credit card Account under any open end Consumer plan as late on any purpose.

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 2021-03-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Been submitting modification paperwork since XXXX, was taken out XXXX and resent, then get another letter from wellfargo sayig need more paperwork and nothing was sent! LIARS AND VIOLATION OF FDCPA now faxing again XXXX and XXXX. SELF EMPLOYED XXXX XXXX  AND WANT 6 MONTHS XXXX XXXX XXXX ONLY NEED 3 MONTHS FOR ALL NOT 2 SEPERATATE! So tired of ther lies and say nothing was sent XXXX sent paperwork in XXXX and said wasnt received! GOING TO COMPLAIN EVERY TIME UNTIL SOMEONE AT WELLSFARGO HAS A XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I applied for the Chase Freedom card with Chase bank. I received a call later that day asking me to call XXXX ( XXXX ) XXXX to verify my identity. I then called and verified my identity. After that point, I would frequently call their credit application status number, XXXX ( XXXX ) XXXX, and the automated voice would only say " your application is being reviewed, you will be notified of a decision within x business days ''. On XX/XX/XXXX, I called Chase customer support at XXXX ( XXXX ) XXXX and asked them if my application should have received an answer by this point. The male who answered simply said, " oh yes they definitely should be getting back to you by the end of this week ''. I waited until the end of the week and received no response. On XX/XX/XXXX, I started calling multiple Chase customer support numbers and spoke to at least 4 different people. None of them were able to help and they all said " your application is expired since it is past the 30 days ''. I kept trying to explain that the error was not on my part, I did everything that was asked of me. None of them transferred me to someone who could help. I understand they could not help me due to the application being expired however, I was not able to speak to any supervisor that could help my situation. I can not apply for this credit card again because that would be a second inquiry on my credit within the last 60 days. I am upset that they are not able to help my situation at all considering I did everything that was asked of me and I reasonably followed up with them in the days approaching the 30-day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Received numerous letters and phone calls regarding streamline refinance. I responded to the most recent letter and contacted the number provided within the letter and recieved no response. I contacted Carrington Mortgage Services LLC to request further guidance and the loan representative tried to pursued me to convert to a conventional loan and convince me that the conventional loan was a better option. I insisted that I am offered the terms indicated in the letter and the loan officer said that the terms don't exist. The loan officer insisted that the terms meant something different and I called his attention to the Reference number and the specifics of the streamline refinance offer. I insisted that I elevate my complaint to the manager. The manager, XXXX XXXX returned my call and on a taped recording asked for a copy of the letter. I provided a copy of the letter and the XXXX XXXX stated that the letter was not affiliated with Carrington Mortgage Services LLC. However, the letter provided Carrington Mortgage Services LLC FHA Loan. XXXX XXXX stated that the statement " XXXX Bank is not affiliated with your current lender '', confirmed that Carrington Mortgage had nothing to do with sending the letter. i am not convinced. I believe that either Carrington sold my information or in fact sent the letter. The address in which the letter was received is Carrington Mortgage Services LLC. I believe this was a bait and switch to pursued me the homeowner to contact Carrington Mortgage Service in an effort to convert my mortgage to a conventional mortgage. I recevie many calls from Carrington Mortgage Representatives that I disconnected my phone. I receive numerous FHA Eligibility Notice with RE : Carrington Mortgage Services LLC FHA Loan and Carrington Mortgage Services proclaim not to have any affiliations and do not honor the letter that appear to come from Carrington Mortgage Services LLC. I am concern that Carrington Mortgage is sharing my information and sending fraudulant letters to entyist homeowners to call the loan office and take advantage of opportunities to convince FHA loan customers to convert to a c onventional loan and persued homeowners to get rid of the insurance. I am innidated with letters and calls Referencing Carrington Mortgage only about FHA streamline refinance options that don't exist. Is this a scam? Does Carrington Mortgage LLC participate with these affiliates to share homeowners information with profit benefits? I contacted Carrington Mortgage to complain and was advised on recorded line that there was nothing that Carrington Mortgage LLC can do. If your customers are being harrassed and your name is being referenced, why don't this concern Carrington Mortgage LLC? Maybe there is an invested interest in the scam as the manager, XXXX XXXX from Carrington Mortgage Services LLC referred it to be a scam.

Company response to consumer: Closed with explanation