BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NY
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 have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support 16 years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all 3 credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2021-08-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the loan-modification on XX/XX/XXXX. Rushmore did not process on time and sent me an other loan modification application on XXXX XXXX. I sent back signed loan modification application with all required documents on XXXX XXXX. 


At XXXX XXXX, today XX/XX/XXXX. I, XXXX XXXX, talked to Rushmore Rep. Asked to update on the loan modification application submitted on XXXX XXXX. Rep acknowledged that the complete application package was received to rushmore on XXXX XXXX, However not yet processed. I asked him to reschedule an auction and postpone tomorrow 's auction ( XX/XX/XXXX ) until reviewing my loan modification application. Rep confirmed to me he is going to talk to the concerned department to do the needful. 

I would request an extension of auction to review my loan modification package, send me reinstatement and pay off the quote. 


From XX/XX/XXXX till dateI, I called several times and left several voice mail to single point assigned on that laon Ms. XXXX on number XXXX i, But never received a response. Kindly contact me on my number XXXX Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Im writing this mainly due to the fact my care credit app popped up to send an automated email that they filled out asking to keep using care credit. 

I just want to put in a complaint on their predatory deceptive act of how they trick you into thinking you paid off a promotional balance when you actually dont and end up with a lump sum of interest. 

I had thought I made a promotional balance payment, due to how the app was designed and how I got an email congratulating me on paying off this promotional balance. I was pretty happy being it was paid off a month early. 

Well, partly my mistake I wasnt reading my statements just making my payments. I had looked at my statement this month, so see I had paid {$400.00} in interest and thus investigated. Turns out this balance was never paid. When I reached out to the company and explained, they said I never requested an allocation payment by phone call. They refuse to help because my statements had said that the balance was due, and again part my fault for just making the payments on time and not reading the fine print Maybe Im just XXXX but its really XXXX when you are pushed into signing up for this card and theres probably 10 million things 8 signed and agreed to, but it doesnt feel fair as it is pushed at a time when it is harder to think and youre worried about your medical situation not reading information on the XXXX interest if paid off in full care credit card youre signing up for. 

I would have done better to look into other options, or I may have at the time even qualified for government assistance that didnt seem necessary because the care credit card had me covered! 

I was able to afford to pay off my card and vow never to use it again, but I can only imagine the incredible amounts of debt others could get into and be hard to get out of.

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 2023-10-25
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
On XX/XX/2023 I applied for a mortgage loan with Amerisave Mortgage NMLS ID : # XXXX I was assigned a loan officer by the name of XXXX XXXX. He assisted me in the process to get what they call a " certified approval letter '' which is just as good as cash they claim. i make an offer on a home that is being built by XXXX XXXX on XX/XX/2023. my offer gets accepted and we move forward. throughout the process I ask for recommendations or guidance since it's my first home as to what I should do in regards to savings and credit. I mention to XXXX that I have some credit cards that i was looking to pay off to reduce my debt. my intention was to keep my credit up and stay on time with my lines of credit. I was advised not to do anything in regards just to keep making my payments on time as I did throughout the process. Amerisave provided no updates they never communicated to XXXX with Loan status updates. it felt like we were always chasing and fishing for answers. They not only denied my loan after 4 months and three weeks away from closing. they are bashing my name to XXXX and saying it was my fault because I " self-sabotage '' myself out of this loan. when i have proof i did nothing wrong.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 non-monetary relief
Consumer complaint received 2018-12-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am filing a complaint against Wells Fargo. Regarding a Checking Account that I closed at mostly my own request. Not due to Wells Fargo Closing the Checking Account without my consent! I closed the account, at least according the the last statement information. On XX/XX/XXXX. And the only amount that I had left as a balance, was {$0.00}. I originally filed a complaint with this organization, against Wells Fargo. On XX/XX/XXXX or XX/XX/XXXX. The Case Number was : XXXX. On XX/XX/XXXX I got a letter from Wells Fargo and they stated : " We respectfully decline your request for {$500.00} in compensation. My most recent correspondence from Wells Fargo was a letter Dated : XX/XX/XXXX, from the WELLS FARGO MEDIATION OFFICES. Why are they doing this? After I closed the checking account two years ago by now?? What is the actual purpose of sending me a letter that is for this Legal Cause. Subject : Mediation option / Wells Fargo Mediation Program Office? And what is more confusing than all of the information I have already discussed. Is why do the letter that is dated XX/XX/XXXX have stated CFPB Case # XXXX. And the letter Dated XX/XX/XXXX Have this information type of information, below the date line. And it says as follows : TRACKING NUMBER : XXXX, WELLS FARGO CASE NUMBER : XXXX. The actual factual and truthful purpose of the TRACKING NUMBER AND WELLS FARGO CASE NUMBER. Is actually near impossible for me to determine what is really means and why is notated!! On XX/XX/XXXX I mailed a form that is the Mediation Request Form, along with several pages of other documents, That were pertaining to the Mediation issue. I basically reminded them, that the account was closed on XX/XX/XXXX. And that, again I am aware that I was compensated {$8.00} on XX/XX/XXXX. And that the only monies I would like was a payment of {$61.00}. For the purpose of being reimbursed for the two overdraft / NSF Fees of {$35.00} x 2 = {$70.00}, And with me factoring in the Partial Credit of {$8.00}. Hence I decided a compensation of {$61.00} was fair. I hope all of this makes sense.

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 2023-03-16
Company: EQUIFAX, 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:
I submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2018. I tried to use my bankcard to purchase a money order but wasnot able to do so. the bank had put a hold on mycard without my consent.. I was not able to purchase the moneyorder. I had to go to the branch to get the hold taken off my card.I was told that because ofthe amount of the money order the hold was put on. I know that is not true because I have use this before for money orders totaling more than that.

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 2023-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company ( Portfolio Recovery Associates ) contacted me about an old credit card account that they had purchased ( XXXX XXXX ). I wrote them back stating that I would conditionally agree to pay the settlement amount if they responded on their own letterhead that they would delete the account from my credit reports if I made the payment. They complied and so did I. Now they have subtract the paid amount from the balance and are claiming that I still owe them money. I sent copies of the agreement, the money order receipt, and the certified mail receipt to both the company and the credit bureaus to verify and delete said account. The company ignored my request and the credit bureaus claim they verified I owed this debt despite our written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/16 I sent in letters to California XXXX XXXX and Midland Funding regarding accounts showing on my consumer report by them that I don't recognize and were never authorized by me. I sent in validation request and never received any response from neither company. They are not above the law and must respond to any consumer requesting information pertaining to any alleged debts.Its been more than 30 days and I'm left to assume that there is no validation and that these accounts can not be validated with proof because they don't belong to me. attached are my original letters. Attached are two more validation request that I have mailed out to each company. California XXXX XXXX certified receipt # XXXX and Midland funding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After checking my credit report around XX/XX/XXXX, I found multiple fraudulent credit cards opened in my name, which Capital One was one. I immediately contacted them and was told that they will close the account and start an investigation. After waiting about 2 months they did not mail me anything and I have still not received any correspondence from them since XX/XX/XXXX. 
I then was told to file a FTC Identity Theft report, which I did and mailed them a letter and a copy of the report and the FCRA Notice to Furnishers of Information on XX/XX/XXXX. Capital One did receive the mail on XX/XX/XXXX as I sent it USPS Certified Mail, a copy will be attached here. I have still not received any documentation or anything from Capital One Bank and they are still reporting a negative fraudulent account on my credit report with a balance of {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: DISCOVER BANK
State: CO
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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
Consumer complaint received 2023-03-17
Company: Case Law Firm, S.C.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a debt collection validation notice from XXXX XXXX XXXX  Attorney at Law, Case Law Firm, S.C. XXXX, WI XXXX. 
In this notice XXXX XXXX failed to include any language advising me of my rights, including any information on how to dispute the alleged debt. She also failed to include a required " tear off '' form that can be used to send correspondence to the debt collector to dispute the alleged debt or take other actions. This being a clear violation of CFPB new debt collection rule XX/XX/XXXX. I submitted a correspondence to XXXX XXXX advising such and asked that she refrain from using deceptive practices in an attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION

Company response to consumer: Closed with explanation