BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had my car detailed at this place.. My aunt is a diabetic and she left a diabetic syringe and a pocket years ago when we went on a road trip. When I went to pick up my car they were screaming and yelling in my face calling me a drug addict. They refuse to give me my car and the male owner picked me up under the arms and physically threw me out of his office. They locked the door and called the police. I was distraught and the police helped me pay them to get my car back but they overcharged me By {$75.00} saying it was because they found a syringe. I had just had back XXXX that day and I am still suffering in pain from his physical abuse. They also posted my car on XXXX on their business site exploiting my mental illness by telling everybody I was screaming and crying and throwing a fit. They posted these words along with a picture of my car. I am XXXX because of my mental health and they have wreaked havoc on it. I called my bank And reported what happened and they told me I was a victim of fraud and they gave me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On  XXXX   XXXX ,  XXXX  my mother  XXXX   XXXX   XXXX  died. At the time of her death her personal assets were held in the  XXXX   XXXX   XXXX   Revocable Trust  and this trust was managed by her. In the event of her death the  XXXX   XXXX   XXXX   Revocable Trust  named myself, her son,  XXXX   XXXX   XXXX  as successor trustee. As successor trustee of the revocable trust I am authorized to handle all of her assets of that trust including collecting payments and operating her bank account for the benefit of her beneficiaries and creditors. I attempted at the local branch of  Huntington National B ank to withdraw the funds presenting them a copy of the trust ; they refused to acknowledge the trust and froze the checking account At the time I had no problem with this decision and busied myself with my mothers affair.   At a date approximately 45 days later, I became aware that my mother had a savings account and that the total amounts in both accounts held by  Huntington Ban k were in exess of  XXXX , I again presented the appropriate documentation and Huntington Bank again refused to acknowledge the lawful exercise of my rights as successor trustee.   I was told that only when an executor was appointed  by Probate Court would the funds be released. Under Ohio Law I am under no obligation to file in probate court given the existence of the revocable trust. The trust qualifies as an estate and the successor trustee as executor. We opted for the revocable ttrust because a t the time of my father 's demise, predatory financiers attempted to defraud my mother of her property and we embroiled in costly litigation and criminal investigations for 5 years.   I then drafted a letter to the  Legal Department of Huntington National bank outlying my concerns and requesting that if they did not comply with my request, to  give me just cause in writing. When after approximatel y 3 wee ks, I had not heard from them, I resent the second letter and it too was ignored.   I contacted the  XXXX   XXXX  of Huntington Bank on  XXXX   XXXX  of  XXXX  and requested to be put in contact with their legal department. The personnel refused to honor my request and claimed it was the bank 's policy not to give out the phone numbers of their legal department. huntington has unlawfully closed to m e every avenue of acces s to collect the funds.   I have a lawful right to have my position as successor trustee of the  XXXX   XXXX   XXXX  Revocable Trust acknowledged as executor of the estate created by that trust or be given a response in wr iting why Huntington Bank refuses to do so Any help you can give me I this regard would be appreciated. Enclosed is copy of the letter sent to Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For years the various credit reporting agencies, not the creditor, have listed valid credit history belonging to my brother incorrectly under my credit file/report. For years, I have disputed their incorrect reporting, which would then be corrected. 

Currently, however, Equifax has no information for me at all. They do not have my S.S. number, name, address or ANY credit history listed for me, even though both XXXX and XXXX have correct credit information listed under my name/SS number/address, etc., according to Equifax I do not exist and have no credit history with them.

If a creditor/merchant can not erase my credit history, only report credit information, then it appears Equifax is the responsible agent for causing me financial harm as I was currently turned down for a loan and not able to buy internet services as both merchants rely only on Equifax to the exclusion of the other two credit reporting agencies.

In this day and age of credit fraud, and with my understanding that Equifax has faced/is facing government scrutiny due to fraudulent activities, I am very Leary of sending personal data to a reporting agency that continues to make mistakes on their end.

Therefore, I am wondering if I can get help from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.       XXXX   and Experian have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both  XXXX  and Experian stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact  the Court o ffice and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both   XXXX   and Experian.     Please assist with removal of items. Thanks

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 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This bank, XXXX XXXX XXXX, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.

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 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   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  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  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 2017-05-08
Company: Ad Astra Recovery Services 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:
Ad Astra Recovery Service    XXXX   XXXX  2 013  Origional Creditor Name  XXXX    XXXX   XXXX    XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I recently reviewed my credit report onXX/XX/23 and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information on XX/XX/XXXX and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -Remarks -Times ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance Opensky : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided XXXX XXXX  : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) Rent Recovery : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : XXXX : XXXX XX/XX/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  If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2017-05-08
Company: Nationwide Recovery Systems, Ltd
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:
XXXX  ACCOUNT NUMBERs :  XXXX  AND  XXXX   XXXX / XXXX / XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , GA  XXXX  PHONE :  XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (   1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District  Court for the  XXXX   District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them from my file. 
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 2015-07-11
Company: DYNAMIC RECOVERY SERVICES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-17
Company: Niagara Capital Recovery LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

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