BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a new home on  XXXX   XXXX ,  2017 .  Lender CalAtlantic M ortgage collected real estate tax escrow funds at closing but did not pay the taxes  to the county. CalAtlantic th en sold the loan to  XXXX  in  XXXX   2017 . We received a notice from  XXXX   XXXX  on  XXXX   XXXX  stating that real estate taxes had not been paid and late fees and penalties were charged to the account. Lender failed to make timely escrow disbursements and stuck us with the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT ( Original Creditor : UNIV OF XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to all three credit bureaus. Both XXXX and XXXX said the debt was validated, but I asked for method of verification and original contracts that were signed and haven't received that from either of them. XXXX removed the account because they were unable to verify it then weeks later added the account back to my credit profile. I reached out to ProCollect on XX/XX/21 stating that I'm not acknowledging the debt, but would like this matter to be taken care of and offered to settle for the amount of {$350.00} and for this account to be removed within 10 calendar days of payment. The agent rudely said there is no settlement and my balance needs to be paid in full by XX/XX/21. I don't owe ProCollect this amount of {$1200.00} and XXXX collection fee.

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 2017-08-29
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.

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 2017-06-15
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These institutions are providing false, fraudulent and erroneous information to the  XXXX  credit bureaus which has damaged my person. I have lost job opportunities because of this and have been denied credit due to their willful negligence. I have filed a police report, filed an FTC Identity theft affidavit notarized, countless correspondence and my state issued ID like they have instructed me to do with no avail. They are still reporting fraudulent activity on my credit report. I am keeping detailed records of all correspondence that has been sent out via certified mail and will seek legal remedy to be made whole again. Remove the accounts I have detailed in my correspondence to your institutions. Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit is being used inappropriately without my consent and against my XXXX XXXX by XXXXXXXX XXXX who somehow prove to these credit agencies they are not in error when it's reported that I am Full Faith In Credit and I have discharged my debt with my original mortgage company and don't hold or have a contract with any mortgage company furthermore all DEBTS AND INTEREST BELONG TO ME THE ENTITLEMENT HOLDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom  It May Concern : I discovered that   XXXX   of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by  XXXX  stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on  XXXX / XXXX / XXXX  in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number  is  XXXX  for the electronic payment, t he Effective Date i s  XXXX   XXXX ,  XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is  XXXX , the Company Name is  XXXX , Company Identification :  XXXX  Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-06-15
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I h ad PNC  only 3 months I had business accounts and personal accounts.  XXXX  the business banker opened  XXXX  accounts for my business then closed  XXXX  and gave me the closed accounts numbers with the debit cards to the open accounts my clients kept trying to send money only to have funds rejected and was told the account was closed i spoke repeatedly to t he manager and assistant manager at my PNC bra nch  XXXX  and  XXXX  and was told everything was fine but it wasnt I was using the debit cards thinking everything was ok then the actual active accounts became overdrawn and checks bounced and no payments from my customers was received  XXXX  told me last week i had the qrong business account numbers and he was sorry My personal account was in good standing and it was closed an d PNC never informed me they was closing them, I have a job and my check is direct deposit I asked them will I be able to get my deposit cus my rent is due and was told they have to hold it for 30 days I have been so stressed out over the fees and lies from PNC I feel lik e I have  XXXX  not only have I lost alot of vendors and clients for my business but now my personal life is in shambles  and I may get evicted I went to my doctor for   XXXX   XXXX   XXXX   XXXX   all due from dealing with PNC HOW CAN THEY DO THIS Its not fair how they are allowed to  XXXX  people over

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: DC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-03-31
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: Their investigation did not fix an error on your report

Complaint:
I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries

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 2018-12-06
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX  on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan 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 2022-12-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm a victim of bank fraud because of transactions that occurred at the Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in XXXX Texas XXXX I checked my account-activity the XXXX of Saturday XX/XX/XXXX and noticed on Friday XX/XX/XXXX, XXXX in-branch bank withdrawals were made out of my accounts. The branch teller at this location handed over approximately {$11000.00} of my savings to someone else ( not me ). I do not live in XXXX Texas, nor have I ever visited the state of Texas. I live in another state approximately XXXX miles away. Upon discovery of these erroneous disbursements out of my accounts, I contacted Wells Fargo and asked for reimbursement. I was informed they would conduct an investigation and was given XXXX case numbers. I requested reimbursement right away, but was then told they needed to go through the investigation process, and it could take up to XXXX business days to receive reimbursement. Needless to say, I received reimbursement after multiple calls speaking with supervisors and whoever else I needed to contact further up the chain to get my funds returned to me before their " 10 day window ''. No one at Wells Fargo could/ or would inform me as to the location the theft had occurred because all it stated in my account detail activity next to each withdrawel was " in-branch transaction '' - no location, no identification, no indication as to where the transaction took place. You know how I found out it was the XXXX Texas branch? I received an automated emailed-survey from the XXXX branch asking how my visit was and to give them a XXXX star rating. Upon receiving this email, I contacted the XXXX Texas branch and spoke with the branch manger. I demanded to see every detail on record related to these fraudulent withdrawals, including signatures, id 's, teller information, receipts, video, and if police were notified. But the branch manager would only tell me that the matter is being investigated. I asked the branch manager I needed to speak with her supervisor, but no one else contacted me from that location. I reached out to an attorney who sent a letter to Wells Fargo requesting the above information. Wells Fargo 's legal team responded that providing any documents without a subpoena is against Wells Fargos corporate policy. Also stating Wells Fargos compliance with my request is strictly voluntary. " XXXX '', to me, means they can give the information I seek, but they choose not to - what are they hiding? I need answers - not a word salad. Except for a small balance remaining in my checking account, I moved the rest my funds to a more reputable institution.

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 2018-12-11
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 am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo failed to pay property taxes in XXXX, for which I notified them and filed a formal complaint. They indicated they paid the back tax in XXXX, including the penalties. I recently received a notice from a collections agency that nearly {$12000.00} in school and local property taxes were not paid, {$2000.00} is for penalties. Wells Fargo was notified, and they continue to deny but it is valid. There will soon be a lien on my home. Throughout the process Wells Fargo has jacked up my mortgage nearly {$1700.00} a month for taxes they state they are paying, they have refused to complete an escrow analysis following a finalized court case on the property assessment appeal, and they have refused to allow me the option of managing my own escrow account. Managing it on my own would have proven more successful with both time and money. I have filed XXXX formal complaints with Wells Fargo but get nowhere.

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