BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
HAD A BAD XXXX LAST YEAR AND WAS XXXX, WAITING ON SETTLEMENT. WAS GIVEN A GOVERNMENT COUPON TO PAY HOUSE, BUT BANK WOULD NOT TALK TO ME TO HELP ME.

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 2022-07-09
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-09
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy 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 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I change my old car XXXX XXXX XXXX for a new XXXX XXXX XXXX, the XXXX XXXX send the payment to Santander Consumer USA, they don't want to process my payment, tell me I going to have to pay late fees, have a negative report on my credit and making strange collectors calls, for something, I don't own anymore. I just want the turn off my Loan, they know I change my car because I get the financial with Santander Consumer Again. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a handful of charges were made to my credit card account. 
{$370.00} {$240.00} {$67.00} {$16.00} {$15.00} {$33.00} {$4.00} {$21.00} All of which took place in XXXX, Florida and two in XXXX. I live in XXXX but I did not make any of these transactions and was in a meeting during the time of these transactions. When alerted by my bank, I acted quickly. I told the representative my card was still in my possession and I was physically holding it. She said the chip had been used to make the transactions and was baffled, as was I. She informed me to shred the card and she would issue me a new one and reverse the charges. The charges were reversed but reappeared in my account yesterday. The bank denied my fraud dispute because " the chip was used '' and did not contact me to inform me the fraud was denied nor did they do a proper investigation as they would see I can't be in two states at once. My XXXX location history shows I have not left Illinois in many months and I live alone and nobody has access to my physical card. You will see in the attached images my credit card was paid off prior to these transactions.

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 2021-08-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLS FARGO HOME MORTGAGE REFUSED, IGNORED, GAVE NO CONSIDERATION,, ABUSED, USED, AND REFUSED THROUGH THIS WEBSITE AND DOCUMENTATION, OVER THE PHONE OR BY ANY OTHER MEANS ANSWERING MY QUESTIONS AND SHOWING ME THE WET INK, NOT COPY, OF THE ORIGINAL NOTE SIGNED BY ME XX/XX/XXXX. XXXX. 

HOW DO I SUE WELLS FARGO AND HAVE A LEGITIMATE COURT TAKE ACTION AGAINST WELLS FARGO HOME MORTGAGE? 

THE HUD HOUSING COUNSELORS SAID IN THEIR PRESENTATION THAT HUD HAS BEEN SUED OR HE SERVICERS HAVE BEEN SUED... SO I WAN TO SUE WELLS FARGO HOME MORTGAGE AND THE ATTORNEY WHO SOLD MY HOME... OVER THE INTERNET AT AUCTION ON XX/XX/XXXX. XXXX. SOMEONE HAS TO BE SUED. HOW DO I GET REPARATIONS FOR THEFT OF HOME ... AFTER ALL THE QUESTIONS AND REQUESTS FOR PROOF OF A DEBT WHICH WELLS FARGO REFUSED, INGNORED AND IGNORED NUMEROUS TIMES THROUGH THIS TRAVESTY OF A COMPLAINT WEBSIGHT.

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 2021-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a checking and savings account at citizens bank on XX/XX/XXXX with the promotion as detailed below : " Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months ( this must be the initial deposit according to comments ) Get an additional {$100.00} when you do both '' I have been credited for the checking account portion of this promotion, but have yet to receive the other {$200.00} & {$100.00}. 

I have contacted citizens bank on numerous occasions to get this resolved, but they have not credited the account in accordance to the stipulated pay out date which was listed on the application. 

I have contacted citizens bank via their online Secure Messaging portal on various occasions over 3 months for a total of roughly 15 messages. I have contacted them over the phone on XX/XX/XXXX, which they did not answer the phone and again this morning on XX/XX/XXXX which they hung up on me after 47 minutes on the phone. 

Citizens bank should credit my account for the correct portion of the bonus as stipulated in the application and as I have met all of the terms. 

This is unacceptable and not what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent RC/RESURGENT RECEIVABLES A certified verification letter on XXXX the company didnt sent original documents to verify debt they continue to hit my credit XXXX Debt Buyer Individual XX/XX/2023 Collection account. {$770.00} past due as of XX/XX/2023. 
XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}

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 2023-11-11
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I requested debt validation that they claimed was sent to me. They proceeded to sue me when they are supposed to validate and stop collections till they can validate. They claimed it was mailed to me. Which I have proof its a lie because I get pictures from usps informed delivery sent to my email. They sued me even though I asked for validation which they were to stop collections on this debt. I asked for validation before the do date.

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 2020-12-22
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 3 accounts with XXXX XXXX. I am a patient there. I was not notified of the outstanding balance and when I would have an appointment and ask if I have a balance I am told no there is not a balance. Recently, I applied for a home loan and was made aware of the medical debt. I paid it immediately. I contacted XXXX to ask why was I not notified and asked why was it sent to collections when they did not validate the debt. I was sent to the billing office and told basically there was nothing they could do to correct the issue because it had been sent to collections. I advised that I had paid the balance with MediCredit and XXXX XXXX XXXX. They said they no longer report to MediCredit so they did not send the debt there. I have the receipt where I paid MediCredit. I feel that XXXX and MediCredit are not communicating with each other and it is negatively affecting my credit. I would like for XXXX or Medicredit to take responsibility for not notifying me before this was reported to the credit bureau allowing me the opportunity to pay it. This is abusive practices on behalf of the collection agency and negligent behavior on behalf of the creditor.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2023-09-11
Company: CarMax, Inc.
State: CA
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:
XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
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:
According to my credit report CHILD SUPPORT ENFORC has been reporting inaccurate information. I have paid on time every single month by them taking wage garnishments out of my check. However, on my credit report, it shows that I've been on time XXXX XXXX XXXX-XX/XX/XXXX. The somehow a collection in XX/XX/2020 then On time inXX/XX/XXXX. Then Collection from XX/XX/XXXXXX/XX/XXXX, then on Time again from XXXX. According to the The Fair Credit Reporting Act Law ( FCRA ) it is a federal law that requires credit reports to be accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: I.C. System, 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:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX  XXXX XXXX # XXXX 
XXXX  XXXX XXXX # XXXX. 
I.C. SYSTEM, INC # 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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
These inquiries are a result of TUs inquiry issue in which inquires appeared twice I spoke to XXXX first and the a guy who at first gave me one name then later changed it to XXXX XXXX. The following inquires are still listed despite me mailing letters to the bureau as directed XXXX Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 - Informative Inquiry from XX/XX/2020 Informative Inquiry from XX/XX/2020 - XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/2020 + XXXX Dept Of Ed Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XXXX XXXX, 2020 + Misc. 
Dept Of Ed Inquiry from XX/XX/2020 - XXXX  Inquiry from XX/XX/2020 - XXXX Inquiry from XX/XX/2020 -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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 have disputed an erroneous Chapter XXXX bankruptcy with TransUnion several times this year. The bankruptcy is dismissed and is not associated with any accounts on my credit report. TransUnion has failed to provide proof that the public record belongs to me. I have requested a valid and reasonable method of verification and it has not been provided. My request for the information has been ignored which is a violation of the FCRA. 

The item has already been deleted by XXXX and XXXX after an 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 2019-02-12
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:
Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my XXXX  credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} First Premiere - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX/XXXX  - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Dear CFPB Team, Our property, sited at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sufferer significant damage during the XXXX XXXX last year. 

We received the funds for the repair from the insurance company and immediately we started the reconstruction process. We are in a situation of needing additional funds to keep progressing. We have summitted letters to request release of additional funds and invoices from sub-contractor evidencing the progress and the current cost of the repairs/rebuild. We are in a point we need additional release of the funds as contractors can way any longer waiting on our payment. 

We have used all our personal funds and credit lines to a point we have exhausted all financial possibilities. Without the release of additional funds we are not able to continue the rebuilding process causing us a significant financial burden. Every week we have a delay cost us {$2000.00} or more. 

We have been sending all information requested, many times and we haven't receive any answer. In occasions we need to start the whole process again as previous request was lost or never processed, basically ignored. 

The Financial Institution is : XXXX XXXX XXXX, Tx Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Resurgent Capital Services L.P.
State: WA
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 an account without my 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 any purpose.

Company response to consumer: Closed with explanation