BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
Unauthorized and duplicate inquiries that does not belong to me. Also, I have no accounts with these inquiries made.

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 2023-04-25
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX PORT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARDS XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my home. I was within days of closing when the underwriters asked about a deferred balance that they discovered when they received the final payoff. I just came out of bankruptcy and was under the understanding that all past arrearages were to be taken care of in the bankruptcy. When I asked my Mortgage company about the amount, they said I was still responsible for it. The amount is {$11000.00}. I have asked them to find written documentation where I agreed for this amount to be put at the end of my loan, and documentation explaining to me how it would affect me when I re-financed. First, they said it would take 72 hours. After the 72 hours, they said they should have an answer in another week. We are now at 2 1/2 weeks and still nothing. My loan changed to a different Servicer in the middle of my bankruptcy and they have not been able to come up with a documented resolution yet. I need a resolution ASAP. My interest rate is at 12.75 % and I need to be able to move forward with the re-finance. I have my rate locked in already and only have a limited amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a consumer and I feel that my federal consumer rights have been violated. I heard that they ( Discover ) don't follow the CFR from what I see. On XX/XX/XXXX I mailed my payment out certified with a due date of XX/XX/2021. I thought that was plenty of time to credit my account. Unfortunately, I was shocked when I received the bill that was due the following month. So I called after I received the bill to make sure the payment was received via certified mail ( see attached ). The representative said they didn't receive any payments yet. So, I mailed a billing error notice statement on XX/XX/2021, to find out why my account was not credited via the payment that was send almost a month before. I have attached a copy of all that was sent in XXXX, please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This is my 5th 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} 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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX. Application number is XXXX. I called and spoke to a representative named XXXX in the credit department on XX/XX/XXXX and she did a 2nd review of my application and credit and still denied it on basis for grounds that I feel is discriminatory and demand that it be re-looked at again. She told me that I cant be approved because i had several secured credit cards and or loans in the past. Why does that matter. That builds credit. Them loans and credits were never defaulted and were paid as agreed. She asked me why my XXXX XXXX credit cards were closed by the grantor. Why, I will tell you why.. XX/XX/XXXX I had a disagreement with a rep from XXXX  XXXX, I didnt keep my mouth shut, spoke my mind and they didnt like it and closed all my cards with them. Again, why does that matter. They were paid off, on time, and never late. How are you gon na base judgement on someone that had secured products in the past. Who cares. Thats down right discrimatory. You offer secured credit cards .... WHY ... .. FOR WHAT CAUSE. DO YOU DENY PEOPLE BECAUSE THEY HAD A SECURED PRODUCT OF YOURS IN THE PAST. I will take this matter to the highest level of court if i have to. The problem is that you know my credit is very good with a XXXX  of XXXX at the time of application, and just trying to find little reasons to deny it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly asked for the signed application fro the year this account was open and have been refused this information This company bought the debt from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

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 2018-10-17
Company: Monterey Financial Services LLC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX  reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX   lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. 
Please help please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 XXXX Wells Fargo came under the conclusion that my bank account would be canceled due to fraudulent charges and activity that was made on my account when I was out of town and someone had broken into my apartment and taking my debit card and deposited checks and also withdrew from the ATM my account was negative {$400.00} when they close my account and they are holding me fully liable for the overdraft charges and practically said sorry but we can see on the video it's not you withdrawing or depositing any checks but we're still going to judge it as me giving that person my PIN number so they can defraud my account I feel that they're determination of the situation was false it wasn't me that did those transactions but they still seem to blame me for it and left me high and dry owing them money even though there was a lot more than {$400.00}. XXXX taken from me out of that account very disappointing.

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: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX bank is deliberately, fragrantly, an unlawfully reporting fraudulent information on my credit report. I've provided numerous letters as well as an FTC report as proof to the fraudulent account, yet they continue to report the fraud. Originally, Experian deleted the account from my profile but later added it back on. I'm beyond frustrated with these bully tactics and need help rectifying this situation ASAP. I honestly feeI as if XXXX and Experian are conspiring against me. I asked them to send documentation bearing my signature. Instead, I received an unmerited validation letter stating they had proof the account was mine. The proof was a credit card statement that I've never seen in my life. I'm at my wits end and desperately need assistance with this unforeseen and unavoidable nightmare. I've contacted you before in regards to this matter and I'm expecting you to hold them accountable this time. This ordeal has dragged along long enough and enough is enough! I demand resolution! Protect my consumer rights like you swore to do!

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 2019-10-05
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony Bank Lowes Visa has managed to report my closed account as the responsible party ( myself ) as being deceased. I spoke with the company as well as filed several disputes pertaining to the matter. Lowes reported on XX/XX/2018 that the account holder was deceased as the account was closed through XXXX XXXX XXXX. ( debt settlement ) My wife passed away on XXXX XXXX. She was a secondary on the account and I was the Primary card holder. XXXX has received proof of life and other documents showing I am still alive. XXXX  states the company who reported the incorrect information has to change the report. I spoke with an employee with Synchrony Bank Lowes Visa and that person stated that there was no information sent to XXXX showing I am deceased. Each time I call XXXX, I get a different person and I have to explain where on the report it show my status as being deceased. This has been ongoing since XX/XX/2018, and disputed and reinvestigated 9 plus times. With the Status of responsible party marked as " Deceased '' I have no credit score and I am unable to get any kind of financial support or loan. I would like my life back and I am not sure where to turn to next to get this corrected.

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 2020-03-11
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Received notification from home insurance company that home insurance premium was not paid. Had a three-way conference call with insurance company. Loan company took details to overnight homeowners insurance payment overnight XX/XX/2020 Received another notification that homeowner insurance premium has not been paid. Call load company and held another three-way conference call with the insurance company and the loan company. The loan company rep indicated that they checked the closing documents and that they recognize a payment was due. The loan company rep said that the " overnight '' payment request was made and to allow 3 days for the " overnight '' payment to go thru XX/XX/2020 Spoke to a rep who said the payment was in process and the account payment would be made within 24 hours. 

XX/XX/2020 I spoke with a representative named " XXXX '' who confirmed that the insurance payment has not been made and there was no indication on my account that the payment was in progress or that one has even been requested. She said that she emailed it to the " Research '' department. " XXXX '' said that I could call back in 24 hours later and I could get a tracking number to follow this issue. 

XX/XX/2020 I called in to get the tracking number that was promised me the previous day. The rep I spoke to said that they do not provide tracking numbers. Had another three way conference call with the insurance company and loan company to obtain the " overnight '' address ( for the 3rd time ). During the course of the phone call with the insurance company the rep from the loan company hung up Home owners insurance is due to cancel in a week - will likely have to pay even though it should have been paid at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took a 6month covid relieve ending the forbearance in XX/XX/2020 at my request. I signed the necessary document for the repayment of the outstanding balance in XXXX wellsfargo withdrew that document saying they made an error and came up with another value that's higher than the previously signed document. I asked for the details of their calculation but they wouldn't give it to me. I've asked for document about my original payment schedule repeatedly and they've ignore them. Every time they call me or I call in they keep on saying they're investigating. Yet I'm reported as late. Before signing the last document i asked them to give me a breakdown as to what i'm signing but they said they will send it afterwards they made me sign a document with that any details. I was repeatedly told that once i sign the document i will be current only to be told i'm 1 month late after signing the document. how can i be late when i've paid every month since i ended the forbearance. 
I need help getting my original payment schedule from wellsfargo before the forbearance and how the forbearance affects my payment schedule going forward. I also need to know how much of the payments have been applied to the interest and principals to date. I really need to know where my payments going.

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 2023-12-03
Company: EQUIFAX, INC.
State: MD
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:
YOU BROKE THE LAW!!! 
You are in violation of my rights and you broke the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports cleary states that i have to give you permission to report anything on my credit report. 
NO CONSENT FROM ME IS CONSIDERED IDENTY THEFT! 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates I DID NOT GIVE YOU PREMISSION TO DUE SO AND YOU GUYS DONT HAVE OR NEVER HAVE HAD ANYTHING IN WRITTING SAYING THAT I GIVE YOU PREMISSION TO DUE SO! I HAVE CONTROL OVER WHAT GETS REPORTED AND THE PRIVACY OF MY REPORT. 
YOU WILL DELETE THESE ACCOUNTS! 

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 15 U.S. Code 6801 - Protection of nonpublic personal information - cleary states that ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

All eight of those financial institutions have violated and broken the law by not protecting my privacy and giving you my none public personal information, They know they are in violation and your company knows accepting this information and reporting it is in violation also you just do it anyway in hopes that people dont know their rights!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information again this goes into more detail about sharing my none public information and states that no financial institution shall give my information to nonaffiliated third party. 
The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. YOUR COMPANY IS A NONAFFILIATED THIRD PARTY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had overdraft fees several times due to unrelated problems

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 2023-01-20
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  Balance : {$630.00} ; XXXX XXXX  Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2023-01-20
Company: EQUIFAX, 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:
This is my several attempts 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 alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. . Balance : {$28000.00}

Company response to consumer: Closed with explanation