BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a little behind on bill. Just bought a house with my wife, and are dealing with credit card debt. Will be paying in the next week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 previously disputed XXXX XXXX  a collection account on all three credit bureaus the debt got sold to another company and the same dispute for all three credit bureaus and only XXXX removed it from my credit report and not XXXX or Experian and they said it's fair credit reporting act if this is the case then why did only XXXX remove it and not XXXX or experian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire at my residence in XXXX, 2019 while insured with XXXX. In XXXX a check was issued in the amount of {$22000.00} and made payable to Nationstar. I was unaware that this Company had just obtained a rental property that I have. When the check went to Mr. Cooper they deposited into the wrong account even though I sent a letter with the check with my correct account number and property address. The Company ( XXXX ) has never gotten paid and is now threatening to take me to Court in XXXX. I have made many attempts to contact Mr. Cooper and I keep getting the run around where the check is. I have sent them the front and back of the check as requested to their Research Department and have not heard back from them, when I called to them yesterday I was told they can not stop and reissue the check because it was sent to another Mortgage Company still the wrong property and do not have that information. Only thing they can tell me the Company is called XXXX. When I called that Company I was not given any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 11/05/21. 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 explanation
Consumer complaint received 2017-09-04
Company: PREFERRED CREDIT INC
State: FL
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:
Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. 

Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}

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 2022-07-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Company is money Gram, i send a {$200.00} on XX/XX/XXXX of this year to XXXX XXXX to a bank account by mean of this company and the money doesn't appear in the account of my wife. So I call this about 7 or more time requested a refund because I feel that getting the round of by this company my wife stated to me that money appear in their system but is blocked by money Gram and she is not access to money it all ever so mean while they state to me that will proceed to make a claim with the bank to see their respond but I think that taking me for ride.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX, Experian, and XXXX regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately X/XX/2017. After concluding their investigation X/XX/2017 XXXX agreed with me and deleted the item ( see enclosed letter ). 

On X/XX/2017 XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX, EXPERIAN, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...

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 2017-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Portfolio Recovery Associates    XXXX    Acnt #   XXXX   RE : Portfolio Recovery Associates    XXXX   XXXX   XXXX    Acnt  #  XXXX   Portfolio Recovery Associates i s currently attempting to collect a {$4400.00}   XXXX    XXXX  debt ; however, although it is  XXXX  debt/collection they have it reporting as  XXXX  debts/collections, the account number they are reporting on  XXXX   &   XXXX  is different than t he one on  appearing on my  XXXX  report ; because of this, when a tri-merge is pulled it is counting as  XXXX  different and separate collections/debts.     Furthermore, the amount they are collecting on is inaccurate. I ma de 2 fin al payments to  XXXX   XXXX  prior to the account going into collections, so even the {$4400.00} is wrong too.     I simply wish f or Portfolio Recovery Associates to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be  removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 : 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 2017-09-04
Company: Residential Home Mortgage Corporation
State: PA
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:
XX/XX/2017 Residential Home Mortgage processed a hard inquiry on all three credit bureau agencies XXXX XXXX and XXXX reports without my concent in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Consumer Collection Management. Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hi I am with Credit repair and they removing negative Items off my report and the collection place put two of them back on the name of them are Cosumer collection management for XXXX and the other one is XXXX XXXX {$560.00} and {$550.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MD
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 have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-04-25
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In   XX/XX/XXXX  I  was involved in an auto accident and was taken to  XXXX   XXXX   XXXX  in  XXXX , IN for examination and   XXXX  .   XXXX   XXXX   XXXX    performed the   XXXX    services.     I provided the hospital with my insurance information, which they forwarded t o   XXXX   XXXX   XXXX  .   According to my insurer, I was left with an outstanding balance. I never received any written statement or notice from  XXXX   XXXX   XXXX   XXXX   during  XX/XX/XXXX . All other  medical bi lls were settled i n  XX/XX/XXXX ,   so I was under the impression that  XXXX   XXXX   XXXX   XXXX   had also been paid in full.     I n  XX/XX/XXXX ,  I was notified that a debt of  XXXX  had been turned over t o IMC Credit Services for collection. I disputed the charge, as I had no other notice of any   outstanding debt. IMC notified me a few weeks later that the debt was from  XXXX   XXXX   XXXX   XXXX  .     I made inquiry to  XXXX   XXXX   XXXX   XXXX   about this bill, and received the following reply via e-mail : " Thank you for the kind compliment regarding the services that were rendered to you by the hospital and the reading radiologist. Our practice strives to offer the highest quality care. The insurance information provided to the hospital was appropriately forwarded to  XXXX  by the hospital, and your insurance in fact processed the claim. The balance that remained was your out-of-pocket expense. The following day after receipt of your insurance   XXXX   XXXX   XXXX   (  XXXX  ), a statement generated to the address provided by the hospital. Regretfully, this statement returned in the mail due to no available mail receptacle. We engaged a third party to perform skip-tracing on the account, as we do for all accounts with an invalid address. Respectfully,  XXXX   XXXX   XXXX   XXXX   ''  XXXX   XXXX   XXXX   XXXX   had addressed the statement to my physical address ; I live in an area in which all residents have post office boxes, and the post office returned the mail as " undeliverable as addressed. '' Not  one other  attempt was made on the part of  XXXX   XXXX   XXXX   XXXX   or their skip tracer to contact me, either by e-mail or telephone, to establish my correct mailing address. I have lived in the same home for over 20 years and have established utility accounts in the area, so I 'm not that difficult to locate.     I paid the debt as requested, but would like to have the collections report to the credit bureaus rescinded.   XXXX   XXXX   XXXX   is largely responsible for the fact that the debt remained open for nearly a year, as they failed to make reasonable attempts to contact me. It 's difficult to pay a bill that is never received, and even a meager attempt to locate me or find my mailing address would have resolved this in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIFAX has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-18
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-18
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that XXXX XXXX  XXXX forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. XXXX XXXX  XXXX  responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that XXXX XXXX  XXXX, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. 

On XX/XX/XXXX, I also requested that Wells Fargo Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-C. Wells Fargo Bank Charged-Off account numbers XXXX and XXXX in XXXX. Wells Fargo Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being 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 explanation