BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; 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.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
as notified before, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out requesting proper information per FDCPA, but the creditor has not provided this information and has placed inaccurate and unverified information on my credit report illegally. I am looking to have this information removed ASAP. 


After several failed attempts for validation and verification, I will be looking to escalate this issue to the CFPB and the XXXX  in addition to the FTC for fraud and identity theft and pursue damages to my person under the FDCPA if this derogatory inaccurate information is not removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification with Wells Fargo. The process started at the beginning of the year and has been going on since then. I am a XXXX year old XXXX veteran and my wife and I have been struggling to stay in our home. Wells Fargo has threatened us with foreclosure while in the loan modification process. Meanwhile the bank has been stalling and stalling and we can not seem to move forward. What angers me as well are the advertisements they run on the tv. One states they have changed ( since cheating their customers ) and another talks about their involvement in helping different charitable organizations.. I am a veteran and I believe I have a predatory loan. They appear unwilling to help but seem intent only on stalling without any progress made to resolve this issue.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX  XXXX XXXX Balance : {$0.00}

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 2019-05-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX I was given a loan payoff quote for {$260000.00} good till XX/XX/XXXX. 
I sent 3 payments starting on XX/XX/XXXX of {$67000.00}, XX/XX/XXXX {$100000.00} and the last payment on XX/XX/XXXX for {$100000.00}. I sent the payments through online bill pay because the max amount allowed to sent was {$100000.00} thats why I sent 3 payments and also the payoff quote did not specify the money had to be in one lump sum just be there by the XX/XX/XXXX. When the first payment went through they took out {$980.00} in interest. This should of not been done because I already made XXXX payment on XX/XX/XXXX. So they took XXXX interest when they should not of plus theres only 14 days between XX/XX/XXXX and XX/XX/XXXX and the calculation of interest taken is incorrect. I called them on the XX/XX/XXXX and asked why my loan is not paid off and they said they had to forward this matter to another department and can take of to ten days. I called today XX/XX/XXXX and they said I will get a call back from a supervisor and never did.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED LATE PAYMENT REMOVED, ACCOUNT REMOVED. HISTORY ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged overdraft fees when I didnt allow a third party to charge my account in the first place but they were still able to even when I told my bank to not allow them to charge my bank account. I was charged {$35.00} of overdraft fees numerous of times. Once on XX/XX/2021 on my checking account with Wells Fargo. I was charged over {$75.00} from the third party called XXXX XXXX  on the month of XXXX, XXXX, XXXX, and XXXX which they had already terminated my contract with them. I seeked for a resolution from the third party and they told me to take it up with my bank since they cant do refunds and when I asked my bank for help they told me to talk to the party that charged me. It was very inconvenient since at the time I was barely making a livable wage.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

XXXX5 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 an 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 2020-06-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to PHH sometime in XXXX of this year with the first payment due XX/XX/2020. However they failed to pay my property taxes which was due XX/XX/2020 out of my impound account like it always has been with each previous lender I have worked with. I currently have an impound account setup with PHH and can see that they are going to make the next payment XXXX of this year. I am getting no where with them. They asked me to provide the delinquent bill that I got form the county which I did and they still arent providing any support. The county now wants a 10 % late fee on top of the regular bill. I can not get PHH customer service to even understand what I am asking for let alone someone to help with the situation. 

They just keep telling me the paid {$870.00} which that does show on my online account but the county has no record of that not to mention my property taxes are {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Affirm Holdings, Inc
State: TX
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:
On or Around XXXX I contacted Affrim regarding Fraudulent dispute regarding and General Contractor That I Hired Through XXXX List I Mention to the Merchant that I didnt Receive Services That I Pay for I also Explained to the Merchant That a Case had been filled. 
Against XXXX list With Attorney General and Affrim the Merchant Fefuse to Honor this Complaint In fact The Merchant Is Still Reporting Over Due to Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never opened any such account with Portfolio Recovery A. I also have a fraud alert on my account for past 5 years and should have been notified prior to any new account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Investigation took more than 30 days

Complaint:
I have been sending documents to the Transunion since XXXX, asking to delete a fraudulent account ( XXXX ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.

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 2023-05-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home is financed with PHH Mortgage. In XXXX, I inquired about having the PMI removed. The current financed amount on the home is $ XXXX. The house if conservatively valued at $ XXXX, well over the 80 % threshold. In response to my inquiry, PHH instructed me to fill out a form along with a check for {$100.00}. I responded shortly afterwards with both by mail. 

After 6 weeks or so, I called PHH to get an update on the process. I was then told that the fee had changed from {$100.00} to {$150.00}, and I needed to send an additional {$45.00} to get the appraisal. 

My specific complaint is that when a bank discloses a fee, they can not change their mind midway though the process. This feels like a predatory lending practice, or possible a TILA or UDAAP violation. Please review my complaint and contact me with any questions or comments. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TD BANK US HOLDING COMPANY
State: GA
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:
I reached out to the following companies regarding these inquiries that I did not create on my own. Nor did I give anyone authority to create appeared on my credit report and I contacted them individually to have them removed and they have not been removed as of yet. 

TD AUTO FINANCE ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX Auto ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank info XXXX XXXX XXXX Situation I had had bank fraud on this account in the past and was refunded approximately {$300.00} The account was being reset and although I was told over the phone that the card is working, I, in turn, used at a grocery outlet to make sure. 

It worked THE BAD BEGINS Next situation is that I received a text to verify XXXX XXXX. Although I dont have XXXX XXXX, I remember that was one of the fraud accounts before so I checked my account for proper balance. 

This is what I was told : Balance was lower by XXXX. 
I asked how, as that my last transaction was " grocery outlet. '' They told me I had a XXXX transfer out And then returned to my account around XXXX XXXX Then another tranfer ( the one bad one ) late XXXX about the XXXX. I did nether and didnt recognize bank last 4 digits transferred to. 

I doubled checked my other bank accounts, thinking maybe I didnt remember. 


As they were verifying me, they found a Wrong email, address, and phone number. 

I told them it wasnt me that transfer and they transferred me to an operation to delete that saved banking institute. 

I challenged the XXXX transfer. 
Got.Letter declined. 
I reopened claim over the phone. 
Called the next week, ( they said it was never reopened ) I told them to reopen. 
Called a week later and they said it was closed again ( declined ) I asked them how that was possible for details.they said they couldnt give me any. They said if I had any more info, I could fax or mail. 

More info I looked at t my transfers in past. ( thinking i may have been out another XXXX ) They make it look like the XXXX transferred out ( I had a XXXX  XXXX legitimate one a couple years ago ) I called XXXX and they said they dont charge back to prepaid debit and they have had trouble with Bank of America for years and a mystery to them why the confusion. 


Conclusion Although they quickly resolved my past XXXX XXXXXXXX fraud, this one was poorly handled and investigated. In addition they dont provide you with information to make it easier, or the to complaint up the chain of command. 

I reached out to the government regulatory agency/agencies/ as a result and hope to have a speedy resolution. 

BofA has had a bad reputation and is very concerting to me and many others ( as I can assume this is not an isolated case with myself ) {$3000.00} is a sizable amount and should have major concern. 
Please feel free to contact me at any time to answer any questions or concern. 

XXXX XXXX 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 2020-02-07
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i am a XXXX senior and was a victim of XXXX  and XXXX  XXXX on XX/XX/19. they stole all the money from my XXXX  direct express card. this caused me to be evicted because i didnt hav rent money and has snowballed to the point i am XXXX. the robbers took XXXX $ unauthorized. i have cooperated with law enforcement, the direct express fraud dpt. and the suspects were arrested with my dir, ex. card my id ... on their person. they are in jail i am awitness for the trial XXXX XXXX one was realeased on bond and and i on the XXXX  and woried they might retaliate plu this last 2 nights were the coldest of the year and im about froze. all the direct express people need to do is contact the XXXX okla police dpt or the XXXX county okla dist attys office my case is XXXX. the direct express fraus investion # XXXX the police have atm video of these robbers using my card even! dont refer me to anyone else ive contacted every senior victims assistance place etc.. and i cant even find a XXXX   XXXX  to stay in. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation