BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased condo XX/XX/XXXX for {$220000.00}. Initial Mortgage : {$210000.00}. 
80 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
78 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
Current Principal Balance : {$170000.00} as of XX/XX/XXXX I contacted Dovenmuehle Mortgage after making the large payment XXXX {$35000.00} XXXX, which was credited to the account on XX/XX/XXXX. I was below the 80 %. I was told I would need to pay for an appraisal before the PMI would be taken off. I was recently told the appraisal completed as part of the purchase of the condo was to be good for 3 months. 

As of XX/XX/XXXX, the mortgage principal reduced to {$170000.00} which is below 78 % of the original value of the condo. I have been current on my payments. Dovenmuehle Mortgage continues to charge me the {$72.00} per month for the PMI. 

I contacted Dovenmuehle Mortgage Co on XX/XX/XXXX, they will not cancel the PMI until I pay the appraisal fee ( {$420.00} ). They want confirmation the value of the condo has not reduced. In the last 6 months I put in close to {$100000.00} in renovations. You better believe the value is more than {$220000.00}. 

Based on federal law, the servicer must automatically terminate PMI on the date when the principal balance is scheduled to reach 78 % of the original value of the home, which was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I kept getting sent from automated voice message to automated voice message without direction or opportunity to speak to a person or to even address my issue My Capitolone account was paid off XX/XX/2018 and is in good standing but XXXX has a delinquent balance showing It needs corrected They continue to send balance increase offers & card upgrade offers but the incorrect information remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23. Someone stole my wallet and phone out of my car and was able to access my wells fargo debit card to make purchases and atm transactions. My social security card and debit card other identity items were in my wallet, my pin is the last XXXX of my social so they were able to guess my pin number, they also had access to my phone and was able to approve transactions and get in my wells fargo account in the app, I have a tital of XXXX charges including atm transactions totaling XXXX, I have yet to receive any credit or money back from wells fargo as of XX/XX/23

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 2022-03-21
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call XX/XX/XXXX at XXXX ET from an agent named XXXX XXXX from IC System. I informed her that the phone call was in violation of the FDCPA because I sent a letter disputing the validity of the debt to IC System over a month ago and had not been mailed verification of the debt as required before continuing an attempt to collect the debt. I asked to speak to her supervisor. Even after that information was provided to her, she asked if I am able to clear up this debt today. I reiterated that she should not be attempting to collect on this debt, and asked again for a supervisor. She transferred me to XXXX XXXX, who confirmed that IC System had received my dispute letter prior to the this call. I asked her how we proceed from here, because my rights were clearly violated, and she said she would transfer me to her manager. She transferred me to XXXX XXXX in the Consumer Affairs department. XXXX again confirmed on a recorded call that they had received my dispute letter prior to calling me, and told me I could email my complaint to their consumer affairs department, XXXX. I did so that day, and have followed up twice in the two weeks since, and have not received a reply. 

I also received a settlement offer letter dated XX/XX/XXXX. It is my belief that this letter was sent as a direct response to IC System 's receipt of my dispute letter, since IC System has only been attempting to collect on this debt for a very short period of time and was offering a 70 % settlement after a single collection letter. 

My wife happened to be home at the time I was talking to XXXX, overheard the conversation, and now thinks I'm in debt and hiding it from her. I now have to explain why I'm getting collection calls, why this debt exists, and reassure her that this is an anomaly. I haven't missed a payment on anything in decades. I simply do not owe this debt, the full amount of the debt for leased XXXX phones has been paid directly to XXXX when I canceled my service.

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 2023-01-25
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello my name is XXXX XXXX I am a member of chime who locked my account for almost four weeks now without a word to me Ive called got nothing they never call me text me email me nothing and I have a lot of money in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Information belongs to someone else

Complaint:
XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept .

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX company several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX Finance # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX XXXX 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX Sheriff Department, and Federal Commissions Trade Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida 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 2022-03-21
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account NumberXXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Inquiries 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 n 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Information belongs to someone else

Complaint:
Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have been filing dispute with Equifax for over 3months now. Im a Veteran, I recently returned from Overseas duty station ( XXXX ). While I was overseas I used to have a Pay as You go cellphone plan with XXXX. Since returning, I have been harassed by a collection agency, for unpaid cellphone bill from XXXX ( XXXX $ ). Despite multiple attempts, the collection agency has refused to Validate their claim. They keep sending Invoice to Equifax. I have submitted over 8pages of affidavit and evidence with the dispute application. Equifax keeps enabling fraudulent collections by lowering the standard of proof for the collection agency. Equifax keeps sending dispute results stating Ownership of debt has been verified by lender. Which Is a complete untruth. Invoice is not proof of ownership or liability. I have emails with admissions from original creditor, that they do not have a contract signed by me. Furthermore, collections against XXXX XXXX Servicemembers without a court order is a violation of the ( SCRA ) Servicemember Civil Relief Act. Equifax is playing an equal role along with a disreputable Collection Agency, in attempts to take advantage of Military Servicemembers, Veterans and family members returning home. This type of business practices by Equifax and collection agencies, is the main reason Veterans have a hard time adjusting to civilian life and later leads to rage and emotional breakdowns. Filing a Civil Suit is not an easy process, and most times people of lesser means dont have that option. Collection agencies are well aware of that fact, and they take maximum advantage. The collection agency in question has refused to show proof of debt ownership. When I disputed the claim with collection agency ; the collection officer explicitly stated that paying XXXX $ to him will be the easiest and fastest way to close the case, and if I were to keep asking for Validation, he would take as much time as he needs to address the issue. I have never received any Credit service from any European financial institution. I have never entered a contract with the Cellphone service provider. I canceled the cellphone service in accordance to XXXX and SOFA Outprocessing guidances, I have provided several documents proving my dispute ; Equifax didnt even look at the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan care billing system is not updating their system to reflect up to date payments made on my account and customer service has been unable to help and fix it since XX/XX/XXXX : Hello can you all please pull up the notes on my account with loan number XXXX XXXX interest only loan )? It has been escalated ( reference/ticket number is XXXX ) but no one person I have spoken with has been able to fix the issues with my loan account. I have called and spoken with customer service reps on several occasions since XX/XX/XXXX as well as a manager finally by the name of XXXX XXXX on XX/XX/XXXX. He said if a payment is made on the same day, Loancare 's system voids it out. That is not clearly expressed on the website or the mobile app. This is what happened in the case of my XX/XX/XXXX payment. On the site I made two payments on the same date but the system only accepted the {$50.00} principal. Unbeknownst to me the {$24.00} was never drafted out of the account. He apologized and said to rectify things he would split the {$50.00} principal only payment received and reapply {$24.00} to the interest only payment that was due for XX/XX/XXXX and the difference to the principal. I see where the reversals were done on XX/XX/XXXX and XX/XX/XXXX but my account is still marked delinquent. Now when I log in to the system it says my XX/XX/XXXX mortgage was never received although I paid it XX/XX/XXXX. On the payment screen it says I now owe {$60.00} ( {$49.00} for mortgage payment and {$10.00} in fees ). At this point if you all applied a payment for {$24.00} on XX/XX/XXXX and I have already made a {$35.00} payment on XX/XX/XXXX I do not understand why it is showing that Loancare hasn't received up to date mortgage payments. I last spoke with one of your agents on XX/XX/XXXX and after placing me on hold for 22 minutes she kindly hung up on me. Your help would be appreciated!

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed by international scammers, when I realized I was been scam I called the bank Wells Fargo, I requested to stop the transactions that were still pending. The total amount of these transactions it was close to {$10000.00}, I was told that I have to wait for the transactions to go through before they can do anything about it. I asked if the transactions can be canceled I was told multiple times that even if they are reflecting pending that there was nothing they can do to stop them from processing. There were more transactions that already went through of the amount of {$40000.00} and they said that they will investigate and let me know if they are able to give me the money back. Because all the transactions were processed the bank did not give me any money back or a reason they just closed the investigation.

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 2023-06-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 2023-11-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXXXXXX 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