BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-02-19
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I sent my dispute letters to the debt collection companies and I still haven't heard anything from you. 
XXXXYou have violated my rights Under Section Section 609 ( a ) ( 1 ) ( a ) they are required to provide me a contract with my signature on it. You haven't provided me with anything, which is illegal. 
XXXXUnder 15 USC 1692 ( a ) You were to notify me in 5 days after their intinial communication. I haven't heard from them at all which is in violation of this law 3. Under 15 USC 1692 ( e ) You have been fasely representing the legal status of debt which is out of statue of limitations and they can legally collect. 

A copy of this will be CC to FTC XXXX  ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Management LP is attempting to collect an alleged debt for XXXX XXXX. There have been several unlawful attempts by this company to collect payment for the alleged amount of {$570.00}. After informing a representative to not contact me demanding a payment. Without adhering to the law and giving me the opportunity to dispute. Credit Management illegally had this debt added to my consumer reports. Attached is my Letter to Cease and Desist the illegal collection activities IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX AUTO-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020

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 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent multiple certified written letters to all credit bureaus Experian, XXXX, XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. It is important to note that XXXX, and XXXX removed the negative information i but Experian refused to do so. 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
I have accounts on my credit report that does not belong to me and need them to be removed this is holding up my process to buy home and here the accounts : 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 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with Bank of America was closed due to fraudulent activity. The bank was well aware of the entire situation yet the only solution that was given to me was to pay the closing costs which totaled up to {$280.00} which came from my card being accessed once it got stolen yet every representative I had spoken with was aware that the paperwork they sent me to authorize the investigation I didnt receive because I changed address and even had given them my updated address. My account was closed XX/XX/2016

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 2023-01-24
Company: WCS LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
WCS Lending, a mortgage broker in XXXX and Florida, led by broker XXXX XXXX filed fraudulent loan applications on loans submitted to various banks in order to collect a commission for the company. He also obtained what is known as a yield-spread premium from various banks in order to enrich himself and WCS Lending which knew of his operation.

He had been instructed by borrowers to only obtain no-income, no asset loans which were being offered by banks but which still required that the information on these " stated-stated '' loans be accurate -- which was never brought to the attention of the borrowers because all of the application information was fraudulent. Again, with the knowledge of WCS Lending. 
XXXX XXXX filled out mortgage applications with fictitious information in order to obtain numerous loans which was completely fraudulent. 
When the XXXX County District Attorney 's office contacted him, he blamed the borrowers and denied any wrongdoing. 
Subsequently, the D.A. was prosecuted and imprisoned. Nothing happened to XXXX and WCS Lending is still in business. It is a fraudulent operation which has relocated XXXX XXXX to Florida where he still works for the company. 
Borrowers went to prison for the D.A, 's Vindictive prosecution and WCS has never paid a price for their duplicity, fraud, or illegality.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since 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 2023-01-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, EXPERIAN and XXXX are reporting a charge off for XXXXXXXX XXXX XXXX Charge offs are income and may not be reported on a consumer report. I have not received a 1099. This account report shall immediately be deleted from all consumer reporting agencies.

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 2022-10-12
Company: EQUIFAX, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Owed : {$85.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Receivable Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a debt collection notice from Receivable Solutions, LLC ( RS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. They were attempting to collect a {$270.00} medical bill. I called Receivable Solutions on XX/XX/2022 to dispute the charge however I stated that I was " making a complaint '' about the charge. The RS operator said that I had to make the complaint with the provider, which I did do. I was advised the next day by a third party legal advocate that I needed to " file a dispute '' with RS not " make a complaint. '' XX/XX/2022 at XXXX am I filed a dispute in writing ( email ) to RS at the email address provided by RS in their letter. I did not receive any response from RS to date. Yesterday XXXX I was completing paperwork for a loan, when I found that RS had reported this disputed debt to the credit bureaus. Also, yesterday afternoon I received a letter from RS stating " we did not receive a response from our previous letter '', which indicates they chose to ignore my dispute filed XXXX, and this letter demand for payment was dated XXXX. When I called RS this afternoon to remedy this issue, they said that disputing the debt did not prevent them from reporting it, they further stated that they had 30 " business days '' to respond to the dispute and they were allowed to report it to credit bureaus even while it was disputed. The operators supervisor had no knowledge that I had even filed dispute and had to ask me how I filed it. Once I explained it was an email she made the excuse that they had 30 business days but still never acknowledged whether or not she had seen the dispute. She said that if I paid the total amount requested they would remove it from the credit bureau, simply ignoring the fact that I was disputing the bill. The timeline is as follows : First Letter received XX/XX/XXXX, XXXX First call to RS was made XX/XX/2022 at XXXX am.. Follow up dispute email was sent to XXXX XX/XX/2022 at XXXX XXXX XX/XX/2022 I was notified they had reported negatively to credit bureaus, also I received a letter from RS that same day dated XX/XX/2022 stating they " did not receive a response '' ( not accurate ) I called RS this morning ( XX/XX/2022 ) they ignored my complaint related to the dispute and attempted to persuade me to pay the disputed debt by refusing to remove credit reporting unless I did so. They audio recorded the entire conversation and should have record that they attempted to persuade me to pay it today even though it was disputed and attempts to collect the debt during the dispute should have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received unemployment insurance benefits from the Maryland Department of Labor, deposited to a Bank of America debit card. 

On XX/XX/XXXX, and XXXX, XXXX, {$2700.00} was stolen from my account at Bank of America ATMs. I discovered the theft on XX/XX/XXXX and reported it to Bank of America that day. Bank of America cancelled my old debit card and issued a new one. 

On XX/XX/XXXX, Bank of America sent me a letter stating that my claim was closed " because we believe the account or the claim have been the subject of fraud or suspicious activity. '' On XX/XX/XXXX, I telephoned Bank of America. A supervisor told me that all Maryland unemployment insurance claims had been closed because of some sort of technical error, and that the claim would be reopened that day, XX/XX/XXXX. I was given a claim number different from the one in the closing letter. 

Since then I have received no communication from Bank of America. I have called and spoken with claim representatives and customer service agents on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. No Bank of America employee has provided any useful information or told me the status of the investigation. They give me contradictory information about what the bank is doing and what I can expect. Many times they have told me that they can provide no information because " the account is closed. '' My account has been frozen since at least XX/XX/XXXX. Bank of America 's explanations for this are incomprehensible. 

The theft from my account was an unauthorized transfer, as Bank of America could easily confirm by comparing my driver 's license picture ( which I faxed to them twice ) with the photograph of the person making the unauthorized withdrawal. I provided timely notice of the error under Regulation E, section 1005.11 ( b ) ( 1 ). Bank of America did not investigate promptly or provide the results of the investigation, violating section 1005.11 ( c ). Bank of America has not given me a provisional credit pending investigation. More than 90 days have passed and Bank of America has provided no written explanation, violating section 1005.11 ( d ).

I request that Bank of America unfreeze my account and credit {$2700.00} to 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 2023-01-24
Company: EQUIFAX, INC.
State: MN
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:
Ok so not only are they claiming they have accurate information costing my credit report to drop XXXX points the last two weeks even though nothing has changed other than they finally closed my account or something with the creditor I don't owe money to I was looking at my report and there are like 20 hard inquiry marks on my credit for the month of XXXX and XXXX of 2022 for auto loans and I mean there are 10 just on XX/XX/2022 alone I was told for XXXX inquiries for the same thing made in a specific amount of time are to roll into one so it doesn't make u look bad but clearly you can see that no one applied for 20 different loans in two weeks and they won't take this out of my report they are ruining my life and now they added another collection that says owe money yet another account that is not mine there are two XXXX account that " we recoart of theft as well for Iver XXXX then say they can't help me cuz they can't verify my address but they can put negative things on my report with out proving that they are my accounts so they put false info on my report with out verifying it first but they won't take it off my report be suse they can't verify my address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In 2019 i was scammed for {$1000.00} using my Wells Fargo account with XXXX, I had sent the money through XXXX to who I believe was going to rent a house to me. When I found out that this was a scam I contacted Wells Fargo went in and the took a report and opened a case, after some time passed they informed me there was nothing they could do for the loss of my money. Since, my mother in law who also sent money for the same person who was going to rent with us received a check for the money she lost but I never received or heard about again.

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 2022-03-28
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 around XXXX I got a transaction of {$3400.00} on Cashapp from a friend and wanted to transfer it into my bank account. My phone number changed recently and I was unable to transfer it because I needed to verify my identiy, however, the only method my bank had to do so was with my old phone number. Since it was XXXX, I couldn't call my bank to change my number. At XXXX the next morning, I called and asked to fix it. 

I went back to my Cashapp, and it was logged out. I tried to sign back in, but again, the only way I could sign in was through my deactivated phone number. 
I tried to sign in using the other methods provided, such as verifying my identity with the card on file for that account, but I was still denied. 

I contacted support, gave my last SSN digits, my full name, my birthday, and still I was denied. It seemed as though they were satisfied with what I gave as identification because they said they were going to " attempt '' to release the account back to me, but then when I did the steps to sign back in they said it was denied. 

When asked to simply transfer the funds to my bank account that was already linked, the only thing they would say to me were " We use variety of security measures to protect your account. We review multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we won't be able to complete the action. I can't manually override this decision or provide additional details, and no further action can be taken. If there's anything else you need today, feel free to reach back out anytime ; we're here to help from XXXX to XXXX ET. '' When asked to try again, I got the same response. 
I asked " I don't understand. If it's due to security reasons what is it securing if you won't even let the owner access it? '' In which the response was " I don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. If there's anything else you need today, feel free to reach back out anytime ; we're here to help. '' They essentially told me that my {$3000.00} was stuck in an account that I can't access due to security reasons although I've given all the information they've asked for.

Company response to consumer: Closed with explanation