BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I was {$3800.00} behind in condo dues to XXXX XXXX XXXX for my Condo. on XX/XX/XXXX I made a {$4400.00} payment to XXXX XXXX XXXX to pay my back dues and credit for XXXX, XXXX dues. On XX/XX/XXXX I received a letter from Wells Fargo Mortgage Indicating that they made a payment to XXXX XXXX XXXX on my behalf for {$4200.00} without my knowledge or permission indicating that I would have to pay them the money back. I contacted them immediately to let them know that the dues had been paid back in XXXX of XXXX and that they will need to get the funds returned to them from XXXX XXXX XXXX in full since the dues were paid and They maid the payment on there own initiative. I have maid all condo dues payments since XXXX and my account is and has remained current since my XXXX payment and can not afford to pay over {$4000.00} twice especially when I do not owe the second sum of {$4000.00}. When I spoke to the Wells Fargo mortgage Representative She indicated that they would get the funds refunded back to them from XXXX XXXX XXXX which they have not done to this day XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Freedom Mortgage 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : Freedom Mortgage Corp XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-06-04
Company: Maury Cobb, Attorney at Law, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MAURY COBB ATTORNEY AT LAW LLC has sent a letter trying to collect a debt stating I owe to XXXXI have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information?. What is your authorization of law for your collection of this alleged debt?. Right to Privacy Act of 1974 also protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol disclosure of non public information without the knowing and expressed consent of the consumer. 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.15 U.S Code 6803 Disclosure of institution privacy policy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance 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, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Money wasn't available to use even though it was cash deposits, system for online mobile banking is not accurate as far as the time and date being processed for the deposit verses charges, bank refuses to acknowledge their errors. Have had a ruin of my entire life, not only did they commit fraud they're trying to hold me responsible for them stealing my money. I have called repeatedly and written letters to whom they instructed I write to, no change, no solution. I have had to fight everyone. I'm not giving up, I stand against bullying. I want everything and then some returned, resolved immediately please. This is not ok.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: OH
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:
Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Account reporting as 90 days past due and has never been past due income base repayment plan at 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 2021-03-05
Company: FIRST PORTFOLIO SERVICING INC
State: MI
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:
XXXX-I called XXXX XXXX XXXX  Customer Services ( Vervent/Total Card ) regarding an outstanding account listed in my name with there company. The CSR informed me that the account was closed and there was nothing she could do. 
XXXX mailed a certified letter to XXXX XXXX XXXX ( Vervent/Total Card ) Corporate Office regarding Debt Validation of the outstanding balance that I called about in XX/XX/2020 listed above. To date I have not received a response regarding my request. 
XXXX disputed the information to XXXX XXXX, and XXXX, that I did not receive debt validation from XXXX XXXX XXXX  ( Vervent ) regarding account listed above. Each of the Credit Reporting agencies validated the debt was accurate even though the company did not validate debt. 
XXXX I called XXXX XXXX XXXX Customer Service ( Vervent/Total Card ) one last time for a resolution. XXXX ( CSR ) indicated once again there was nothing that the company could do. 

The company did not validate the debt, continued to report the information to the CRA 's and when I disputed it with the CRA 's they continued to report an invalidate debt.

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 2023-09-06
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield collections agency in XXXX, TN sent three statements on XX/XX/XXXX regarding XXXX XXXX medical debt from XXXX stating that they have charged approximately XXXX dollars in interest on my medical bills and this is the first I have heard of interest being charged on medical debt. I did not sign any agreement at the emergency room to interest being charged on my medical bills and have not with the debt collector either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NC
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:
Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ask that the credit reporting agencies remove these errors from my credit report and the acct be deleted from my acct. I sent letters to these agencies, and they did not provide me with the original application I asked for.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Maximus Education, LLC dba Aidvantage
State: OH
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:
Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We hired XXXX XXXX XXXX to modify my mortgage in XX/XX/XXXX. They promised that the whole process takes 3 to 4 months and would get my mortgage at a 2 % TO 3 %. In XX/XX/XXXX I received foreclosure papers on my house. I contacted XXXX and they told me it was a scare tactic to try and collect money from me from the mortgage company collections department. Told me not to worry i was protected by them. At the end of XX/XX/XXXX I was served with more paperwork from the mortgage company to start a loss mitigation process. Tried to contact XXXX to see what was going on and couldn't get any answers. After 4 days of probably calling them 6 or 7 times a day I finally got a call back, only to be introduced to their compliance Department and a guy named XXXX, well XXXX is a fast talking used car salesmen that loves using all kinds of acronyms to make it sound like hes on the up and up, but he is incapable of answering a question with a direct and honest answer. The results of my communication with them was XXXX telling me that I had to pay an additional {$6000.00} for my case to move forward ( with no guarantee that they can deliver on the promise that they made ). Throughout this entire process there has been little to no communication from XXXX to me except for once a month when they contact me looking for their payment. They have been taking my money for 17 MONTHS and have accomplished nothing, I had taken the Mortgage companys offer for loss mitigation and started that process on my own. I was lied to and promised that my loan would be modified at a low interest rate within 3 to 4 months with a 100 % money back guarantee, and now they are saying that they will not refund me since we did get an offer back from the investor ( yet they have not and can not show me the offer ). 
Because of XXXX my home is currently over a year passed due, and in foreclosure. 
XXXX is a scam, they are very dishonest and misleading, and do absolutely nothing that you can not do for yourself, ( other than extorting money from you ) My house is now in forclosure because of XXXX and I am fighting with everything i have to keep a roof over my kid 's heads

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Hippa Release was not provided by credit reporting agency nor debt collector.

Account status nor last activity date d
oes not match across all 3 credit reporting agencies. I have rights to 100 % accuracy.

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 2021-07-05
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: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX XXXX and Transunion that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX AND TRANSUNION are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...

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 2020-03-18
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:
DEPT OF ED/XXXX {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute XXXX/XXXXDispute 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 explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, 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:
DEPT OF ED/XXXX  {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF EDXXXX DEPT OF EDXXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a form letter with a date stamp of XX/XX/2021 from a law firm/debt collector I do not know and had never been contacted by. The letter is not signed. I received the letter on Friday afternoon, XX/XX/2021, of the holiday weekend. I only had to time to type a letter and send registered mail to the law firm. I do not recognize the credit card company. The letter is threatening and harassing, further more the law firm caused duress by sending the letter the afternoon of a holiday weekend, when no one could be contacted. 
If indeed the letter is correct, and the amount is owed, I made an offer to the law firm of {$10.00} per month as I am on widow 's benefits. 
I am enclosing the form letter from the law firm FarMar Law Group , PC, the envelope with the postal stamp of XX/XX/2021, and my registered letter to the law firm. 
I also sent a fax copy of the letter to the law firm as well. 
I was not afforded 30 days to respond to the threats of a lawsuit. I have never been contacted by FarMar Law Group , PC, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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