BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NV
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act XXXXction 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello I Have Issued XXXX Check From My Bank Account In Citibank And I Want To Know Status Of This Cheque I Attached All XXXX Cheque and I Want To Know is Cashed Or No

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 2018-05-29
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 is missing that should be on the report

Complaint:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was sent an email from CFPB which involves one main financial. The problem I see with this company is the add on interest and other high prices interest they made you take out in order in be approve for the installment loan. I was in a rough spot so I borrowed again and was hit with the add on interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Bonded Business Services, Ltd.
State: TX
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:
I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month combat XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX  who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from the XXXX XXXX XXXX XXXX for {$1400.00}, the XXXX hasn't even validated nor responded to my initial dispute from XX/XX/XXXX 2017. As you can see, they won't respond to the XXXX XXXX XXXX  of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this 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 explanation
Consumer complaint received 2022-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was tricked by a lover online to deposit a check of {$3400.00}. I did this under the impression that this was my allowance given by my lover. I wasnt aware that she was trying to scam me for money. I just want to make it clear that I had no idea this was fraudulent. Im sorry for depositing it, but Im not going to spend anything. I really just dont want to get in trouble and I want the check canceled. I called Wells Fargo and they said that at this time they cant do anything cause it was already deposited. And that I should just notify Wells Fargo about my situation once they call back. Im really scared and do not want to be responsible for a crime I didnt know I was committing. I

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account XXXX XXXX XXXX XXXX is inaccurate & should not be on my credit report, this inaccurate information is henidering me from mortage approval, I am asking that you remove ASAP, I have no knowledge of this account & it should not be on my report. thank you

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 2019-01-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im disappointed that I disputed XXXX and XXXX/XXXX XXXX  on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this 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 non-monetary relief
Consumer complaint received 2018-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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:
On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XXXX XXXX XXXX I tried to log onto my XXXX XXXX morgage site to make my monthly payment like I have done every month.  Keep getting a message something went wrong  please try again later. I called the morgage company personally and let them know my payment is due and can not make a payment the lady on the phone said everything is down we can not access your account I will make a note u called.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-28
Company: Grain Technology, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company does not respond for customer service at all. I have done EVERYTHING... 
email, call, leave message on the support tab online, tried resetting my password, left messages for them on social media ( XXXX, XXXX and XXXX )... 

It says that I am locked out of my account, i need to reset my password, I submit to reset my password and it will not let me access it.. .they NEVER send me a link or an email to reset it. 

I have done everything, I need to update my bank info to make a payment but I can't even get into the app. BeforeI logged out ( trying to get the app to work ) it would let me log in but it would NEVER load. There was no way to see any of my information. 

Now I have a payment due and it's going to be late and it'll affect my credit because they can't help me! This is absolutely ridiculous and this company needs to be stopped. I shouldn't be treated this way and I need to make payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing to you today hoping you can stop the bank from taking the house that has been in our family for over twenty years. My mother was living in the home when she passed away and left it to me. My brother and I worked hard to pay off the mortgage, but this past year has been difficult. 

Rays struggled with medical issues, being on a fixed income myself, and XXXX  XXXX, I did what I could to make up the difference. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Barclays Bank for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : [ Account Number ] Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$6500.00} Credit Limit : {$3800.00} Written Off Balance : {$5100.00} Total Junk Fees Charged : {$2700.00} Junk Fees : On XX/XX/2023, Barclays Bank charged me a TOTAL OF {$2700.00} IN fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes.

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. Barclays Bank 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt.

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. Barclays Bank 's reporting of this junk fee is a violation of these laws and codes.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-10-17
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan in XX/XX/XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00} and the balance today is {$330000.00}. The loan was sold to XXXX XXXX ( XXXX ) in XX/XX/XXXX and they were showing a much lower balance. Caliber Home Loans now claims to be servicing the loan for some XXXX Master Participation Trust which is just an Agent allegedly pertaining to XXXX XXXX. They securitized my loan and did not send me a copy of the IRS filing documents as requested in the following letter to them. 

CALIBER HOME LOANS XXXX XXXX XXXX MASTER PARTICIPATION TRUST ( AGENT ) XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, ET AL Dear Sirs : We attach a copy of a Court Order and this Qualified Written Request ( QWR ) for an accounting of the loan you are alleging to be servicing on behalf of Fannie Mae. We would like a complete accounting and a copy of the cancellation of debt when the note was securitized filed with the IRS form per 26 USC ss. 108i from the Trustee, Trustee Corps for our Attorneys as stated below : This is an IRS form that servicer trustees must file who put your mortgage into a stock pool. 

Please use my cusip number ( s ), to prove that I didn't sign a mortgage but an investment contract that I was made an accommodation party to but not a participant. 

Did you sell these unregistered securities and are in possession of contraband. 

Also there should be Cancellation Of Debt ( COD ) when the mortgage Security was converted to a stock ( 26 USC ss. 108i ) ; Did it make it into the REMIC?

Thank you and we wait your reply. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX ( XXXX ) XXXX Encl./ Court Order from Federal Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX ' claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, Equifax, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.

Company response to consumer: Closed with non-monetary relief