BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: LA
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 the account listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA canceled my checking account 2 weeks ago XX/XX/XXXX without any notification. I only find out because my card was declined. I called and they said that they needed some docs they never asked for. Turns out they sent letters to my deceased grandmother address ( they cant tell me which address either ) which they didnt have because all the correspondence for her was sent to my address. Last week on XX/XX/XXXX I called to ask for my check and they said I have to wait XXXX days ( would be arriving latest tomorrow Wed ). I ask to speak with a higher up and the person said she would cancel the original check and send an expedited check that would arrive earlier and no later than today Tuesday XX/XX/XXXX. Today I called again and such expedited check hasnt even been mailed! I havent been able to pay any of my bills, my XXXX compensation was returned from direct deposit and MY MONEY is still with this bank after 2 weeks! 

The check I am waiting for is for the amount of {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Capio Partners, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the account listed below has violated my rights. 

XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an 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 2023-10-03
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Hello, In the month of XXXX, there was an Accounting oversight on my end that led to my payment being late. As soon as I identified this, I initiated a transfer/ payment the morning of XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX through the mobile app as I always do. During this process, you select a date on the Calendar that you want the funds to 'Arrive by ' and I selected XX/XX/XXXX ( see attached for reference ). 

The funds for the payment were deducted from my XXXX XXXX  Account on XX/XX/XXXX ( please see attached as shown on my bank account ). 

The funds were sent over to Associated Bank on XX/XX/XXXX and should of been processed on XX/XX/XXXX ; however, it took until XX/XX/XXXX to show process which reflects that my payment is past 30 days late, severely affecting my credit report/ history. 

I also attached my XXXX Transfer payment and what does not align is that the day my funds were deducted from my account, they were processed/ received by Associated Bank that same day so I do not understand why this time there was such a delay in processing my payment despite the funds being deducted from my account on XX/XX/XXXX and noted in the transfer too. 

Going into that weekend on Friday, XX/XX/XXXX, the funds were deducted from my bank account and Associated Bank noted that those funds were deducted from my account. However, when I went to pay XXXX, I noticed my Account was not updated to reflect XXXX payment. 

On XX/XX/XXXX, I direct messaged Customer Service through the Online Portal account ( attached is the conversation ). Customer service acknowledged the delay in processing and apologized. On XX/XX/XXXX, I replied and then called Customer Service and spoke to a Manager on Duty. She stated that she was not sure why it took so long and said she was personally going to file an internal complaint. I asked what else can I do to rectify and she said I could email XXXX to formally submit a complaint and seek further assistance. 

On XX/XX/XXXX, I spoke with the loan Service Provider and they stated there was nothing they could do despite the funds being deducted from my account on XX/XX/XXXX and Associated Bank acknowledging the delay and funds being sent over before XX/XX/XXXX. 

This is very misleading and fraudulent and I feel that this issue should be rectify because of the delay in processing my payment and the fact that those funds were deducted and sent over on XX/XX/XXXX. There are inconsistencies with when those payments are showing paid, from the date you select during the Transfer process, from what is being communicated by Associated Bank, and when the funds are deducted from my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
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 that I am never late for but they're reporting me as late.

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 2019-08-27
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I apply the loan and also shop around to get best rate and best discount for my refinance. I receive letter from QuickLoans to ask to contract that they will give me better rate or they will give me {$250.00} Visa prepaid card if they are not able to match or beat my lender. I fill out online all my information and someone contact me. I have to go over 30 minutes to contract and another 20 minutes with the loan officer. But their rate is too high over 4.00 % or I need to pay points to get 3.99 %. It is too high, so I am ask regarding the letter promise/send to me. He make me contact other department to get paper. I fill out and even submit the loan estimate estimate that it shows my lender offer me better. However, they told me that I need to submit both loan estimate document and Closing Disclosure document, which I did on a few day ago, to submit to them. However they denied say that my document is not good enough to get $ XXXXVisa GC. I think they are not a great person to loan. I go to website and try to chat with someone. After enter for 15 minutes and ask my information, he just close the screen. I want to complaints to notice that other don't trust and use this since this company is very not what they promise and not try to resolve the problem, but disconnect and did not answer. This is bad if you go with them. They will promise and later there are some problem with the loan, nobody will help you. Try to avoid this company as I write to notice and don't do loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have been paying my mortgage by direct ACH payments, On XX/XX/XXXX of XXXX, a normal payment of {$630.00} went from my account to the mortgage holder Nationstar Inexplicably, XX/XX/XXXX, nationstar returned the payment to my account, XXXX I received notice that nationstar required certified funds for the last payment which should have been less than {$200.00} had nationstar not returned my XXXX payment, Regarless, i went to the bank on XX/XX/XXXX and obtained a cashiers check for the requested payoff of {$700.00} and sent payment by certified mail. 

Nationstar received the payment on or about XXXX XXXX XXXX well before the required due date. 

again, inexplicably, on XX/XX/XXXX, Nationstar returned this payment to my account. 

I tried a third time to pay off the note. On XXXX, I obtained a cashiers check and sent to nationstar by certified mail. 

For the third time, Nationstar sent me a check for the amount of the cashiers check {$700.00}. I still have that check and will NOT cash it. 

Nationstar will not release their lien and are harrassing me at home and at my work. 
I have tried several times to pay off this note. They will not process my payment and just keep adding bogus charges. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MI
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:
I have consistently made timely payments without any instances of being late.

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 2023-08-16
Company: EQUIFAX, INC.
State: MD
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NH
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:
Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX and XX/XX/XXXX XXXX XXXX ) from ( XX/XX/XXXX and XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX  XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XXXX, XXXX went into a war with the XXXX XXXX ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


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 non-monetary relief
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-03
Company: Maximus Education, LLC dba Aidvantage
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When loan repayment was slated to start in XXXX of 2023 following the abatement during XXXX, my monthly payment was over 4x higher than what was calculated previously. My income has not changed. I have repeatedly tried to call the servicer to find out more information using the number displayed on their website. I am left on hold for hours at a time. Longest I have waited was 4 hours before giving up. I've tried to reach them through various hours throughout the day, in the morning when they first open, the afternoon, and evening before close. I do not understand why it is so difficult to get a hold of an actual person here. I want to repay my loan but their lack of interaction is making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2018 I initiated a XXXX transfer for {$240.00} to XXXX XXXX Ref # XXXX. Her phone number was XXXX and email XXXX. She was to send me an XXXX XXXX XXXX that she was selling on the website XXXX. She told me she would save me {$20.00} if I bought direct from her which unfortunately I did go direct with her. I contacted my bank Wells Fargo as soon as I realized I got scammed as she refused to answer my calls, texts or emails. They gave me a claim number of XXXX and a Reference number XXXX and after waiting 10 days told me to continue to try and contact this person that there was nothing they could do for me and closed my claim. I find it hard to believe that there is no way for the bank to track this person down. And harder to believe that the bank offers such a service of money transfer and does not offer me the consumer any protection at all.

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 2023-05-24
Company: WELLS FARGO & COMPANY
State: NJ
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:
Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry by WF CRD SVC from XXXX Credit Report Dear WF CRD SVC, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter concerning a fraudulent hard inquiry that was conducted by WF CRD SVC on my XXXX credit report. This unauthorized, unverified, and fraudulent inquiry, which occurred on XX/XX/2021, raises serious concerns regarding potential fraudulent activity. In light of this grave issue, I kindly request your urgent action to rectify this situation by promptly removing the fraudulent inquiry from my credit report, in strict adherence to the Fair Credit Reporting Act ( FCRA ). 

Upon conducting a thorough review of my XXXX credit report, I discovered an unverified hard inquiry associated with WF CRD SVC on XX/XX/2021. I want to emphasize that I did not authorize or initiate this inquiry, and its presence on my credit report is both unwarranted and deeply troubling. Fraudulent activity of this nature can have severe ramifications, impacting my financial well-being and tarnishing my creditworthiness. 

As a consumer protected by the FCRA, I am entitled to accurate and reliable information on my credit report. It is paramount that any fraudulent or unauthorized entries are swiftly investigated and expeditiously removed to preserve the integrity and validity of my credit history. I kindly request your immediate attention to this matter, conducting a thorough investigation into the origin of this fraudulent inquiry, and taking all necessary measures to rectify the situation. 

I urge you to treat this matter with the utmost urgency and prioritize the removal of the fraudulent hard inquiry conducted by WF CRD SVC from my XXXX credit report. I expect your full cooperation and strict adherence to the FCRA regulations in ensuring the protection of my consumer rights and the restoration of my creditworthiness. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and request timely communication regarding the actions taken to address this fraudulent inquiry. 

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 2021-10-21
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have recently discovered that there is unauthorized information in my name being used on my credit report. I do not know where these inquiries came from all on the same date. I have a security lock on my credit report and I was not alerted to this information being authorized. I am requesting that these be deleted from my credit report. I have reported this information to the federal trade commission, I will attached a copy of this report reflecting all items that were found to be unauthorized. Please open up and investigate this matter and remove the unauthorized items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Lvnv funding made a judgement against me that I paid off. Then redid it again and won a judgement against me that I didn't get notified about

Company response to consumer: Closed with explanation