BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Early Warning Services, LLC
State: IL
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:
REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. Experian info sols., inkXXXX, XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX  third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

XXXX XXXX  -account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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:
Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-04-23
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need a repair affidavit form from CMC Funding. Their website to supposed to make it available to me but it isn't. I contacted SLS, who services the loan but they would not help because I was not willing to give them the last 4 of my social security number. I WILL NEVER GIVE THEM THE LAST 4 OF MY SOCIAL OVER A PHONE!!!!!!!!!!!!!!! so don't take that as their response. The repair affidavit form is a BLANK FORM!!!! They will not make it available to me or mail it to me!!!!!!!!!!!!!! Please help me get them to send me the required form so I can fill it out and send it back so the funds to repair my house will be released!!!

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 2023-07-04
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXXXX/XX/2023.

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I woke up to a text saying my account was negative XXXX dollars, my brother than sent XXXX dollars and my account said negative XXXX dollars. I was supposed to get paid today, but instead they released my check on XX/XX/2023 with a total of {$420.00} dollars. They took my money out, and I had a balance of {$340.00} dollars last night. It is very unprofessional and inconvenient for me to lose this money. I am a college student who is already struggling. I have bills to pay that are due today that I can not all because of a mistake they made. After calling they said they can not guarantee a date of when my money will be returned. It has left me in emotional distress from me crying all morning and evening because I have no money and no one to depend on with helping me get money to last me until Monday. I would like to file a lawsuit against Wells Fargo. This is completely absurd and just have had enough.

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 2023-06-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
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:
I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received a XXXX payment from XXXX XXXX XXXX in the amount of {$640.00} because my family and I were affected by a tornado ( a tree fell through our home ) and we were without power for 6 days ( lost all of our food ). I thought my XXXX  was setup with my existing bank which is XXXX XXXX XXXX however ; it ended up going to a Capital One account that was charged off with a negative balance. Reached out to Capital One recover team on XX/XX/XXXX and spoke with a supervisor by the name of XXXX employee id # XXXX stated my concern to him and advised him of the disaster that had taken place with my family and I. His exact response was " I apologize but no good news for you these funds belong to Capital One. '' So, I called back and filed a claim with the disputes department to try getting the funds released back to XXXX XXXX XXXX spoke with a young lady by the name of XXXX employee id XXXX submitted the claim and she stated it could take up to 10 days to get a final decision and that I could call in to check on the status if need be ( claim # XXXX ). I also filed a complaint with a lady by the name of XXXX employee id # XXXX to there escalation/ case manager/ case advocate team to investigate this matter and she stated it could take up to 45 days to have this matter resolved ( case # XXXX ). My family and I have no food or anything which is why XXXX XXXX XXXX was assisting us with the {$640.00}. We had to pay XXXX deductible and it left us pretty much broke. How can a company take a families money after a disaster that was all on the news and have no sympathy at all. I tried to get an email to reach the executive/ceo XXXX, but nobody had an email. I reached out to XXXX on XX/XX/XXXX as well and a customer service rep stated, " since the XXXX was done through a financial institute they are the ones that have access to reversing the deposit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Opened up my business and tried to get business bank accounts. I tried CHASE, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I found out that accounts were opened at CHASE XXXX XXXX XXXXXXXX AND XXXX in my name without my permission. I had identity theft when I got robbed before. I can not run my business with bank accounts. Each time I went into the banks I was told I would receive a paper in the mail that would help with fixing this. Its been years nothings change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Bread Financial Holdings, 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 reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 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 a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: PA
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:
I paid off my auto loan which my installment payment was on time and I was penalized after my final payment. I lost 40 points because my loan was finished. 

Paying on time and completing my obligation. Is showing the lender that I can successfully manage debt. 

This appears to be very unfair practice for a consumer that has worked very hard in obtaining excellent credit.

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 2023-08-17
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint mortgage is a mortgage servicer that my mortgage was transferred to. They are mistreating me repeatedly while Im trying to save my home from foreclosure.

The mortgage servicer failed to honor their promise to work with me on modifications for loans transferred from my prior servicer. They demanded payments before providing loss mitigation options, delayed decisions on any loss mitigation options, and harassed and threatened me now that Im overdue.

I believe their delay of 9 months to respond to me, is due to waiting if I would be approved for XXXX. 
They are demanding 9 months of overdue payments, which is unfair considering I contacted.

them for 1 missed payment.

Because I missed 1 payment, they demanded 2 months plus fees ( an amount I could not afford ), the next month I called to pay.

Ive let them know every month I can make a payment, but they refuse and fail to work with me, because I struggled for 1 month, by prioritizing collecting total overdue.

payments instead.

I DO NOT BELIEVE SHELLPOINT IS COMPLYING WITH THE LAW. I DO NOT BELIEVE FORWARDING THIS COMPLAINT WILL HELP ME, BECAUSE THEY HAVE RECEIVED ONE ALREADY. I DO BELIEVE THEY WILL RETALIATE AGAINST ME IF THIS IS FORWARDED TO THEM. I NEED CFPS TO LOOK INTO THE WAY THEY ARE TREATING ME AND POSSIBLY OTHERS, AND TO DO SOMETHING ABOUT IT. COMPARED TO OTHER CIVIL PENELTY CASES HANDLED BY CFPS, THE SAME VIOLATIONS, IF NOT WORSE, IS HAPPENING TO STRUGGLING BORROWERS WHO WANT TO SAVE THEIR HOMES AND WHO WANT TO MAKE THEIR PAYMENTS, AT SHELLPOINT MORTGAGE SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ALLIANT CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Wednesday XX/XX/XXXX I logged on to my alliant credit union mobile banking account and noticed I had been assessed a XXXX overdraft fee for a XXXX charge to XXXX. the balance showing currently in my account was XXXX. Alliant credit union did not pay the XXXX XXXX fee and instead assessed me an overdraft fee of XXXX. I then had another charge of XXXX from XXXX coming through and I made a mobile deposit of XXXX. I have never had any issues with any of my deposits going in right away ( same day ). However I made two deposits. OnXXXX for XXXX and one for XXXX. I made the deposits since mobile banking was showing I had an overdraft fee of XXXX assessed even though I still had money in the checking account. This time it said the deposits to get my account back into the positive would be held for 7 days. I called Alliant twice first on Wednesday XX/XX/XXXX to see what charges may have been pending in order for me to be assessed the overdraft fee. The agent I was speaking to had me on hold for over 20 minutes and could not tell me why I was charged that fee. After being on hold for so long I finally had to hang up. I then noticed on Friday XX/XX/XXXX I was charged another overdraft fee however had an avail balance of XXXX dollars. I called yet again to see why I was charged another fee but yet my deposits were being held. they tried saying my balance at one point was only {$50.00} when in fact mobile banking showed {$360.00}. I also asked why my deposits were being held as they do not have Alliant Credit Union banks here so I'm only able to make deposits via the mobile app and they advised me because my account had been " flagged '' for insufficient funds. I asked how did that make any sense if they were going to continue to assess overdraft fees but hold my deposit that I was trying to make to get the account back into the positive? I believe this bank to be assessing fees fraudulently. I had the same issue occur with this bank over 3 years ago with NSF fees. 3 years later they said they did an audit of my issue and determined the fees were assessed incorrectly and refunded them back to me. This bank does not have a location in my state therefore the only way for me to deposit funds is the mobile app. They have never held my deposits before and I was never notified that my account had been " flagged '' per the representative I spoke with on XX/XX/XXXX. I asked for an audit of the fees on my account as well as expressed my frustration with not being notified that my deposits would now be held unlike any other time where they automatically deposited

Company response to consumer: Closed with explanation