BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is the mortgagee and mortgage servicer of a deed of trust executed on XX/XX/XXXX granting a lien against my property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( known as XXXX XXXX, TX ). Legal description -- Lots Number XXXX and XXXX ( XXXX & XXXX ), of Replat No. XXXX of XXXX XXXX, a subdivision in XXXX County. 

The amount financed was {$160000.00}. I am requesting that Wells Fargo provide a detail statement of all payments received during the life of the loan. Loan Number XXXX. I want to see payments and how they contributed to the reduction of the principal balance. 

Wells Fargo transferred the loan to XXXX XXXX XXXX without showing all payments applied. As a result XXXX XXXX XXXX initiated a foreclosure sale on XX/XX/XXXX. Please have Wells Fargo show the principal balance at the time they transferred the loan to XXXX XXXX XXXX. The current principal balance with XXXX XXXX XXXX is showing {$160000.00}. From XX/XX/XXXX up until now that means I have paid only {$3800.00} on a loan I have had eighteen years. 

What kind of loan is this? Interest only? 

During the hardship of Hurricane IKE the government had declared this property a natural disaster. Did Wells Fargo follow all the guidelines for Storm Victims. 

As of now Wells Fargo says the property does not belong to me but I have to pay all the bills ... I am the named Buyer/Borrower but the named owner is someone else.

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 2018-04-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case AFNI is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Informative Research
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the evening of XX/XX/XXXX, after working late, I opened a Credit Disclosure Statement from Informative Research stating that I had applied for a mortgage. The address used was the address I had previously lived at in XXXX of XXXX. I was unable to contact the lender, XXXX XXXX, XXXX as it was the weekend and Monday was a holiday. I believed that somebody stole my identity, so I immediately put a freeze with Fraud Alerts at all three credit reporting agencies and called and locked down all of my credit cards. On Monday, I called and left a message with XXXX XXXX ( Mortgage ) to call me back and then called my bank and told them as well. I have also obtained a police report and have a special password should I be pulled over. 
About three days ago, I went through an old credit report and noticed that XXXX XXXX was on there as well and it reminded me that one of my colleagues XXXX XXXX XXXX was trying to help me find a place to live as I was going through a divorce and losing my house. That was over a year ago! I finally was able to contact her last night and she gave me the information to her old boss, XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX I called him this morning and he checked the database and told me the last four of my SSN and my old address. Then he said he needed to get some emails off to corporate and got off the phone real quick. 
Just a bit ago, an real estate agent from his office called me ( caller ID says XXXX XXXX - XXXX ) she pulled my credit " by accident. '' She apologized but was laughing and said my credit looks great. I am very upset and have been under a lot of stress and worry this last 21 days as I believed somebody had my information and was using it nefariously. Shouldn't they have archived or destroyed my information 90 days after permission was given to use it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Monterey Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a representative of the company and I explained to her that I would like to start making payments on the debt owed. She repeatedly told me that it was their companies rules to charge me XXXX $ each time I paid a specific amount owed towards the balance. I asked her if she had any information on that policy she told me no they do n't share that information with clients. Something 's not right with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XX/XX/XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I kept seeing a charge on my credit card statement for an Experian Credit Report and it has been billed monthly. When I try to log in the experian company states it does not have anything for me, yet the charge continues to occur. I called the number on the statement and there is no way to speak with a representative and the automated message says to go on line. I go on line and I get the message there is no account information on me so why am I being charged?

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 2022-04-02
Company: EQUIFAX, INC.
State: MS
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted XXXX on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continued calls on Sundays. I have asked not to call me on Sunday, if they need to speak with me, plus, I provided my landline telephone to call and or leave a message. On Sunday XX/XX/20XXXX XXXX  XXXX and XX/XX/202XXXX XXXX XXXXXXXX are the most recent Sunday calls. My payment are due on the XXXX of the month, I mail my payments because I am blocked logging into my account. Payment was made and email received from company. I receive calls, continuously after I payment is received and processed. This must stop. 

When I am in church and at work my phone rings from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
This is my 7th CFPB Complaint to be submitted to the Credit Bureaus informing them that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

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 2019-09-27
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Radius Global Solutions is attempting to collect for two services both in the amount of {$280.00}. At the time of my injury I was insured thru XXXX XXXX XXXX XXXX XXXX. I presented my insurance information at that time. However apparently they did not submit to my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a loan and unknown to me it was a scam. I was a victim in this case, and I was calling Bank of America for XXXX days prior to the closing of my account, informing them that my bank card was not working and they needed to un restrict my debit card after they told me it was no longer restricted, it continued to be restricted causing me to have to constantly call them back. On XX/XX/XXXX I called and I was advised by Bank of America to open a brand new checking account because my checking account that I already had was frozen they told me no money was able to come out of that account but it can still receive deposits I informed them my direct deposit was gon na be deposited on XX/XX/XXXX at which point they advised me to open up a new checking account so that Friday morning XX/XX/XXXX I could call back and they could transfer my deposit from work into the new account for me to access that when I called the phone number that they gave me. They told me That would be transferring my money into the new account. They had me open to be able to transfer my deposit from the frozen account .The lady informed me that I was not given this information and I couldnt have been told this. I expressed to her that I spoke to XXXX people and both told me that, again they made me open a new checking account solely for this purpose of me accessing my funds from my job and she told me no thats not gon na happen. My account was frozen they didnt want to do business with me anymore and I expressed to her I needed to pay rent. I expressed to them that I was going to be evicted at as of XX/XX/XXXX and I needed my money and that I would come and pick it up. She told me I could apply for a hardship. I didnt want to because it was going to take XXXX days for them to approve or not approve it. I needed my money that day. I received my 30 day notice to leave my premises XXXX  XX/XX/XXXX, I called them back on XXXX  morning to find out about my hardship and the lady told me I was denied I asked her how can I apply for a hardship yet you guys dont even know the reasoning behind my hardship and why XXXX even applying for it. She told me the account is set to be closed on XX/XX/XXXX and my check will not be mailed to me until after that, I need my deposit money from my job and when they do decide to mail me my certified mail check I am no longer going to even be at the address that they want to send it to because XXXX evicted now I just want my cash that I got paid for and direct deposited into my account from my job that I physically worked please help XXXX living in the car with my XXXX kids at this moment.

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 monetary relief
Consumer complaint received 2023-06-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed XXXX  XXXX in XXXX I put this credit card XXXX XXXX XXXX  XXXX XXXX in my bankruptcy debt was sold to several collection which is now LVNV Funding LLC. My bankruptcy was discharged XX/XX/XXXX. I received several notices and court hearing from this company now they are suing me and garnishment is in place. I objected to garnishment and have court date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: TN
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 CO 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
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: Account information incorrect

Complaint:
1. Name of Account : XXXX XXXX Account Number : XXXX 2. Name of Account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Name of Account : XXXX XXXX Account Number : XXXX 4. Name of Account : XXXX XXXX Account XXXX : XXXX All of these accounts have violated my rights. I do not believe these accounts are verified as well. Opened Date, last reported date, date last active, and date of last payment are all inconsistent from XXXX, XXXX, and Experian. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Affirm Holdings, Inc
State: AZ
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 had a loan with the company Affirm. I guess I either forgot or didnt realize I had a balance. And it showed up on my credit so I paid it off in XX/XX/2022. Every month they are reporting it as non-payment since XXXX till now. I have disputed it XXXX times with no results. When I called the company itself it shows I have a XXXX balance as of XX/XX/2022. Yet they keep reporting to the credit bureaus there is no payment and I still have a balance. I have requested this to be corrected XXXX times and I have submitted a copy of the invoice showing I paid. And yet every month it shows no payment. This is hurting my credit and Im trying to buy a house which I can not do because of this error. I even submitted the invoice to the credit bureaus and they will not take it off because they think I have a balance which I paid in XX/XX/2022 2022

Company response to consumer: Closed with explanation