BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is inaccurate information on my credit report that lead me to find that there is suspicious activity occurring. There is an account opened with Bank of America and it is not mine. I have called to talk to Bank of America and they have no recollection of this on their end. Please help

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 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear BANK OF AMERICA XXXX XXXX hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 



Sincerely, 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX 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

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 2022-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has XXXX XXXX XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: MD
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:
When I pulled my Equifax credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: V and H Portfolio
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. Also, I will be filling a complaint with the XXXX due to the mistreatment and unwillingness to help me resolve this hardship the Chex System has brought upon me. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX  data breach and XXXX  data breach it seems it got into the hands of the wrong person. Also, I've had my wallets stolen with all my personal information in during this pandemic. I filed a FTC report in regards to this situation. I need this taken cared of immediately.

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 2022-09-16
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. 

Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have autopay setup on my Mr. Cooper account and it pays my mortgage every month. This month the autopsy went through on XX/XX/2023, when it should have gone through on XX/XX/2023. 

The second problem is after I paid my mortgage, Mr. Cooper did not post the transaction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I completed a settlement with Wells Fargo for the balance on Mortgage # XXXX. As part of that settlement, it was agreed that the taxes due on XX/XX/18 for {$1400.00} would be paid once Wells Fargo received the funds and closed out the case. The funds have been received and the lien was released on XX/XX/2018. 

Wells Fargo has not paid the taxes. The City of XXXX XXXX has sent me a tax sale notice for XX/XX/2018. 

Despite multiple attempts to communicate with multiple people, including the Office of the President, Wells Fargo is not returning emails and phone calls.

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 2020-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the middle of escrow to purchase an investment property and considering my real estate agent 's legal obligation to represent me and my loan officer 's ability to close the loan, I discovered loan officer had been manipulating numbers, providing false disclosures, and deleting / editing words and numbers before they got to me, I voiced my concern and he said he di n't want to be part of this. Agent calls me and telling me loan officer has the right to cancel everything without me being notified. Agent also tried to have me sign a Buyer / Seller Cancelation of Agreement twice for 2 unrelated reasons, he has tried to have me sign this so I can be the one breaking the contract which would release him and loan officer of any of their obligations to close escrow. I reached out to the lender Nations Direct Mortgage and they had their secretary tell me 8 times in 2 days : " l 'll let them know you called ) but have gotten no call back or response to any of my several emails. I have reached out to their company 's managers several times and they had decided to stay quiet. Today, I sent one 1 email to all managers from all parties involved in the agreement and reminded everyone our escrow close date is in 5 days, and per the agreement I have performed all my duties and that they were putting me in a position to not meet the guideline, I also proposed for them to give me a signed declaration they want out so i can proceed to find another lender and agent, loan officer 's said he is going to have his attorneys contact me and that he is canceling my loan which i also find in violation of Fair Lending Act and as an act of retaliation to divert responsibilty. Also, loan officer when i refinanced 2 properties last XXXXI told him before the closing date I did not want to sign 1 of them because it was {$1000.00} off, he said i will get refunded {$1000.00}. The refund came about 2 months later form his business checking account in a written check, I asked him about it and he said that is how it is done, but now that i am reading about this case, i found out this was extortion, I reached out to send his money back and no response. Also several concern on predatory lending patters like inadequate or false disclosures, bait and switch practices, inflated fees ( like telling me the only 1 loan option for me was one with a {$28000.00} total closing costs which included a {$13000.00} commission for loan officer on a {$460000.00} )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy.XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$5600.00}

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 2020-10-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I purchased a flight on XXXX, XXXX to XXXX ( XXXX XXXX ), XXXX - XXXX  - XXXX {$200.00}, # XXXX, airline confirmation # XXXX I wrote letter in XXXX to Amex that flight cancelled by airline and XXXX responded that airline policy is to give partial refund {$5.00} and rest in voucher! Outrageous! 
I am senior and do not expect to plan this trip again XXXX hid behind statement saying that is airline policy I had a trip XXXX  to XXXX XXXX thru XXXX, as soon as flight was cancelled I received full credit refund in a month on my credit card I purchased a ticket thru a travel platform and should expect a chargeback for SERVICES NOT RENDERED thru this platform and XXXX should not hide behind a false excuse that airline dictates policy of refund Thus I ask American Express to process refund from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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:
I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with XXXX XXXX it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/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 2022-11-26
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX I made my last payment of {$82.00} I had a balance with late fees that I asked to be removed but they said no XX/XX/XXXX {$3700.00} now they are asking me to pay {$4400.00} to take me to court which I received the paperwork opened with a breech of privacy it was sent to the wrong house. And a random man dropped it off XX/XX/XXXX. In XXXX of XXXX I called the credit card account and told them that because of my XXXX XXXX XXXX  and me living with them if they could pause my payments because I was waiting to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them I would be moving which is the new address they have on file. They arent helping with access to the account to check the statements or anything.

Company response to consumer: Closed with explanation