BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: TD BANK US HOLDING COMPANY
State: NJ
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 had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements. 

XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored. 

XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX! 

XXXX same as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to express my deep concern and dissatisfaction with TransUnion 's handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX I have repeatedly informed TransUnion that the information contained in this account is inaccurate. The character of the account is incomplete, and TransUnion continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' TransUnion 's reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, TransUnion is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires TransUnion to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general : A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that TransUnion complies with federal law. I urge you to use your authority to prompt TransUnion to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold TransUnion accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have bank statements it was two checking accounts and two savings. It was always issues. I tried to get to bottom of it.

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 2021-06-29
Company: WELLS FARGO & COMPANY
State: NV
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 recently discovered an open account on my credit report. On the account it states I have an unpaid Wells Fargo credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a Wells Fargo account of credit card in my name. I contacted Wells Fargo customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Key 2 Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received correspondence from XXXX University that they were not attempting to collect on this alleged debt and I am not sure why Keys 2 Recovery is Attempting collect on. I have recently sent a cease and desist along with a request for an audit trail and have not received any correspondence from Keys 2 Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on several occasions my account would be frozen due to fraudulent activity. i was never able to agree or deny the transactions online. 

had to call on 3 separate occasions to get my contact information updated & was told it could take up to a month but that the request was submitted ( never was ). never received my pin for my savings account card. due to contact information not being updated. was not able to access my money in my account for over two weeks at one point. would continuously let the same companys charge account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-01-11
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:
In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX XXXX XXXX and XXXX XXXX XXXX and a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX  XXXX. Under 15 U.S. Code 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, 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 information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The Equifax, XXXX, XXXX credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XXXX of XXXX form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XXXX and that is incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau. The company Credit Control , LLC continue to ignore my request.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Tried to make a car payment in in the amount of XXXX dollars it took XXXX days for it to go through I tried to cancel the account after then they hit me with fees after I took what I had in the account and left me with a negative balance of XXXX after all the fees piled up, cant get it off of my credit history now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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:
equifax data breached has caused more violation and could be more to my credit history XXXX XXXX XXXX in the XXXX XXXX known at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently filed complaint number XXXX in regards to escrow amount that should be XXXX because my husband is exempt from property taxes as a XXXX veteran. This was closed after the company responded that they need a XXXX tax bill showing that {$0.00} is owed. The county where I live will not generate a XXXX tax bill until XXXX. I have submitted multiple times the letter sent by the XXXX XXXX, Va XXXX of XXXX that states he is exempt for the amount of the assessed value of the home and it states that value will not be reassessed until XXXX. The XXXX XXXX, Va XXXX XXXX XXXX XXXX staff have told me on multiple occasions this document is sufficient for mortgage companies and no other documentation has ever been required in order for a veteran who earned this exemption to receive this benefit. They continue to not adjust the monthly mortgage payment to reflect this status. I have no intention of paying into escrow until XXXX when they are going to incorrectly figure my refund and I have to continue to complain to this entity. I would like assistance in having my mortgage transferred away from this dishonest company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Information belongs to someone else

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX. To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XXXX XXXX l notice of a new closed account from XXXX XXXX XXXX XXXX XXXX 
l notice that the account that l was trying to dispute was already closed. 
And a new update was made in XXXX XXXX the account was previously closed in XXXX XXXX So, my credit points started coming down more points than l has build in a year. 
All the other companies ' points are above XXXX and XXXX but XXXX is below XXXX. 
l tries talking to the agency and they are repeating updating my account who reflex my points to fall below XXXX. 
i have a copy of report mail out in XX/XX/2023 with proofs my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Filed complaint with CFB regarding XXXX XXXX XXXX decision ( XXXX complaint ) XXXX. Also complained that my pay for performance incentive which was received in XXXX of XXXX  ( was not to be received per guidelines until XX/XX/2021 ( XXXX year of after trial period payments, that would be XXXX plus one month ). Per guidelines attached I should have received notice of my incentives no later than 30 days prior to the anniversary date ( pay for performance letter to sign ). Also to receive form XXXX, XXXX XXXX XXXX to sign. I did not receive such letter outlining my incentives which among the XXXX reduction of principal would also give the option to re-cast the mortgage at the lower principal balance. 

The original complaint was addressed XXXX but just went on to explain the form XXXX was already signed at the original modification. It did not address my request for pay for performance letter nor the recast of principal balance after XXXX was applied. Nor did it address why I was paid so early in advance out of guidelines. I can only assume that since the servicer also receives XXXX that they processed early. 

I had received a call from XXXX XXXX at Mr. Cooper, Home Solutions Department. i expressed my concerns. She stated if I wanted to recast, I had to request, they did not have to give me the option. Not within guidelines. I explained guidelines to her and stated I wanted the reduction of principal balance applied going back to the date I should have had the option to receive. She inquired with her company and stated no they would not do retroactive. 

I received the recast agreement XXXX, please see attached. There would be no way that it could be signed off of as my notes on agreement will attest. 

I emailed XXXX XXXX did not attach a copy but have ) and expressed my concerns. I then received a letterform XXXX XXXX ( attached ) explaining my concerns in written detail. 
No one in their right mind would have agreed to the terms the way the note was written as you can see. 

I understand now and have written documentation to feel more comfortable, however there are 2 outstanding issues. 

# XXXX. I have tried to research servicing guidelines and can not find my answer. The loan would be recast but not over a 40 year term but the remaining term I have left approximately 33 years. This would only save me about XXXX dollars a month vs XXXX per month re-amoritized under 40 years. I need to see clarification of the official guidelines from Mr. Cooper to make sure this is being calculated correctly. 

# XXXX. If I accept the recast, i am once again requesting that this be retroactive to the date I should have been given the option, this is per Federal guidelines that was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 around noon I was called in the afternoon by a number attached to the XXXX XXXX XXXX by " Officers '' with badge numbers claiming that I was in violation of not appearing for federal jury duty. I was told that I needed to use a platform to pay {$2000.00} to a number tied to the court system in order to push back the citation and do a signature test. I provided the {$2000.00} to the specified number but felt uneasy. I went to my local chase Bank soon after to file a claim while the transaction was still pending. A woman on the phone in the claims department for Chase said that there was a a claim in progress now and that only after the weekend will any action be taken. I called the following week to follow up and no actions were taken until I was on the phone with Chase. The asked me some more questions around the incident and I gave my report out. In either interaction with the bank I was not given a claim number attached to this claim. 

One week after I filed a police report with my local prescient. I am now filing my report here with the CFPB

Company response to consumer: Closed with explanation