BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. I have Collections, charge offs and inaccurate personal information reporting on my credit I also have loans that are not mine that reached it statue of limitation seven years of reporting please remove immediately. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove these offending collections, charge offs and inaccurate information as soon as possible. According to FDCPA all negative items are no longer allowed to be reported to any of the credit bureau, I have not got contacted about these matters so Im asking that these items be removed immediately.

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 2021-11-23
Company: EQUIFAX, INC.
State: NY
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous Complaints with Nationstar have not been resolved. NS obstructed a refi loan that would have paid them in full. NS has illegally increased the prin. bal due on the loan, and has violated Fed and Nv. State laws. NS has not and can not prove the legal owner/ investor in the XXXX XXXX, nor can NS prove it has the legal right to service the loan. No assignments of the loan have ever been recorded in XXXX Co. Nv. The XXXX assertion of transfers have not been substantiated, and XXXX has refused to answer specific questions as to who authorized them to change their entries as to investor/ servicer. No Fed or State agency will take jurisdiction over NS 's misconduct and the numerous accounting ( documented ) errors.I have tried for years now to resolve the multiple issues, and have prepared a Complaint ag. NS to be filed in Fed. Crt. if  necessary. Hopefully the New CFPB will investigate NS again, and not just fine them but force them to resolve consumer Complaints ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MT
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'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO 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 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have already had two of escrow analysis performed and both times my Homes Estimated value has been massively been under estimated so that my equity is very low. My homes estimated value is {$470000.00} to {$500000.00} but this Company estimates my home value at {$280000.00} ( in todays Market you know this is a scam ) and my loan Value is {$350000.00} ( what I purchased the home for ). I see that Carrington Mortgage is already under investigation from the CFPB. I would E-mail or chat with them but they only allow phone calls on my web page as I have looked multiple times and I bet the reason being that phone calls can not be documented as Texts and Chats can be. This under balling people on their Home Values on equity and equity loans has got to be a crime!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Ive sent in multiple of letters to XXXX, XXXX XXXX TransUnion to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for 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 2022-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have called Wells Fargo on 7 separate attempts, the last one yesterday wanting to speak with a supervisor, and we waited over an hour and while we continued to wait, we were hung up on. We only needed bank statements and a closing statement to help our disabled resident out to get XXXX to continue the care he needed. We had everything that was needed for the information and verifications, and they still wouldn't help us. Each worker would tell a different excuse, and none would be the same. This is ridiculous and not professional. This is not the first issue we have had with Wells Fargo either. This is on behalf of one of my residents I am the XXXX XXXX XXXXXXXX for the home.

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 2021-11-23
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX was charged {$1000.00} by XXXX XXXX a tshirt/souvenir store we made a legitimate purchase of {$38.00} while on vacation in XXXX XXXX GA XXXX 

Called Chase sometime between XXXX and XX/XX/XXXX when I noticed {$1000.00} charge and was told to close card and I wouldn't be responsible. 

Got new card in mail. 

XX/XX/XXXX {$1000.00} refunded to account XXXX {$1000.00} charged to account XXXX and {$1000.00} was refunded XXXX Letter in mail ( attached ) that investigating XXXX charged {$1000.00} XXXX with receipts stating charge valid XX/XX/XXXX called to dispute and was told case would be re-assigned to another investigatoXXXX XXXX in mail again stating found valid XX/XX/XXXX Called to dispute and was told a " Senior account Investigator '' would call XXXX Credit card balance XXXX No one ever called back, called and was told there is nothing Chase can do as the merchant sent receipts ( attached ) I tried right away in XXXX calling the store and there are no valid phone numbers I could find. Chase kept saying that since it was a chip card it had to be valid and I had to have made the purchase in person. I did not, I was not in the store a the time of XXXX shown on the receipt. The signatures aren't the same. I asked and Chase said they weren't able to reach anyone at the store either, they were basing it all ion the copies of the receipts. Besides the fact that I did not make the purchase, I mean there is nothing in the shop that costs that much, its a souvenir shop! And the charge is exactly XXXX, and no one will answer the phone, they have no website and the facebook page hasn't been updated in years. There are so many red flags. We don't live in that area, so I haven't been back to the store. I did call the local police in XXXX XXXX GA to ask if they could assist and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: KP ASSET CONSULTING LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving phone calls from XXXX XXXX, IDK the name of the company because he doesn't provide that information in his messages ; however, he is calling me from XXXX and leaving messages that would not be a good idea to leave ( to me ). I feel threatened, very threatened which will make me " guarded '' and will defend myself. 

That XXXX has left the following message on yesterday, XX/XX/XXXX  : I am a location XXXX, XXXX XXXX calling today in reference to a pending claim by law I have to make you aware that once the claim is filed it becomes public record, your name and social are affiliated with this claim you need to contact the filing party before I parrot your home and job with your documents you do have the right to contact filing party their number is XXXX. 

The second message that he left today reads : I have to make you aware that the filing will become public records soon please be available with identification with both of your job and home tomorrow if I can not locate you a direct refusal to comply will be set on your behalf every attempt to contact you has been made the number you must call prior to being located is XXXX see you soon ... '' I have these recordings in my VOICEMAIL. I will upload them

Company response to consumer: Untimely response
Consumer complaint received 2023-08-17
Company: PROPEL FINANCIAL SERVICES LLC
State: AZ
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:
I reserved a room for XXXX days on XX/XX/XXXX. There is a {$50.00} per night deposit placed on your card. I reserved the room online and presented the card at check in. A week after checkout the hold was still pending. I called after the XXXX the company claimed was the most it would be held and was told I needed to submit paperwork with the amount, my name, and the last four of the card. My paperwork didnt include the card number but I included it in my email. They said it had to be in the Invoice so I drove to the hotel and got someone at the front desk to print me out and invoice with the card number on it. By this time the phones had been released over XXXX weeks ago and the amount was showing XXXX in their system instead of XXXX so the lady hand wrote the amount up on the invoice. This bank is refusing to refund my money and tell him that I will have to wait until 30 days to get this money back when it was released on XX/XX/XXXX and there is no reason for them to be holding i

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 writing to file a formal complaint against XXXX, XXXX, and Transunion for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, XXXX, and Transunion. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, XXXX, and Transunion starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, XXXX, and Transunion have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, XXXX, and Transunion infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, XXXX, and Transunion did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, XXXX, and Transunion in accordance with the USC. 
I have attached a copy of the Final letter that was sent to XXXX, XXXX, and Transunion as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

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 2023-05-03
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 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 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 2023-05-03
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:
I submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. 

15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 

Please remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MANAGEMENT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: OK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-05-04
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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