BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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 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 2020-11-04
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today, XX/XX/20, I applied for an Apple Card by Goldman Sachs Bank USA. I was denied and the only reason stated was " You have recently been past due. '' I immediately pulled a XX/XX/XXXX credit report since that is the report that was used in determining my eligibility. My XX/XX/XXXX report doesn't show any late payments. I even went back 2 years. I also called XX/XX/XXXX to ask if they saw anything different. They confirmed that they also did not see any late payments reported. So, I called Apple Card by Goldman Sachs Bank XXXX XXXX XXXX and asked this issue to be looked into further. The Apple Card manager from the XXXX XXXX XXXX XXXX of the President department that I spoke to, XXXX, said this issue couldn't get escalated nor investigated. I asked him what exactly " recently '' meant in their terms and he said he wasn't allowed to provide any specifics on the definition of what " recently past due '' meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Applied Data Finance, LLC
State: NC
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:
I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
similar problem with XXXXXXXX XXXX submitted to company and ftc report XXXX XXXX dated aboutXXXX got invoice for {$1000.00} Todays problem is XXXX Nordstrom datedXXXX to XXXXPLEASE NOTE I NEVER HAD NORSTROM credit card XXXX or any other account there invoice says balance of {$990.00} for 4 listed purchases at 2 different Nordstrom stores in XXXX XXXX, CO -never been there lists 4 purchase 3 @ store # XXXX for {$260.00}, XXXX and {$450.00} and at store XXXX {$270.00} Contacted Nordstrom fraud unit contacting you, police, credit bureau as prescribed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX XXXX has messed up my rent payment causing late and nsf fees of $ XXXX to my account. I have paid my balance down to {$0.00} which is why they said it failed the first time now the response is they tried to take the money from my debit card not my credit card. Im so confused and when I try to call you can never get a live agent they just have you fill out a request form. So I called Wells Fargo which is who XXXX  is ran by and Wells Fargo stated they have been trying to get ahold of XXXX for months and have filed multiple complaints. I will now get an eviction notice because XXXX has failed to pay my rent with my credit card balance at {$0.00} they have made no attempt to help or even give me definite information on why Im  having this issue.

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 2019-11-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my XXXX, and XXXX  credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company. 
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Pe
rmissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that TRANSUNION, XXXX, XXXX will handle this matter promptly and in accordance with federal law.

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 2015-08-28
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NATIONSTAR OWES ME {$8000.00}, THEY OWE ME FOR LATE FEES, ATTY FEES, INSPECTION FEES, {$500.00} X 4 MONTHS = {$2000.00}. I HAVE PAID 8 MONTHS AHEAD OF MY MORTGAGE DUE TO FALSE BILLING. I WAS NEVER BEHIND ON MY MORTGAGE WITH XXXX, XXXX, NOR NATIONSTAR. 
NATIONSTAR threatened to foreclose on my home in XXXX 2015. XXXX, I paid more than {$17000.00} XXXX thru XXXX 2015, my monthly payment is {$1000.00}. They took false information from bank of am, whom I paid more than {$27000.00} in the past 4 years, never behind and payments went to their bank of am ch XXXX department FOR XXXX XXXX XXXX. MISAPPLIED FUNDS, FALSE BILLING STATEMTNS, HARRASSMENT, THREATEN FORECLOSURE NOTICES IN XXXX 2015 THROUGH XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an Emergency from BOA ( my bank NEVER uses this to identify the message ) text late in the evening from ( XXXX ) XXXX requesting me to use a link the text provided, to check my personal banking account, and verify if I approved an extremely larger Bill pay which will be debited from my bank account. This text was meant to trigger me into using the link required check my bank account.

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 2023-07-25
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:
It is common knowledge that CRAs do not investigate errors in the interest of the consumer, but rather err on the side of paid subscribers. It is a business and nothing more. a form letter with a typed name and no signature is NOT verification! 
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or haven't gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 us code 1681. The law clearly states 1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy Of Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. The company known as " XXXX XXXX XXXX '' is known to have a multitude of FCRA violations but can list with the 3 major CRAs without regard for consumer rights. This is a clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, My complaint currently Is against XXXX XXXX American Express card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
the dispute was filed so long ago i dont recall each transaction or amount of each transaction but the disputed amount is for {$3100.00} and was filed all the way back in 2021 and my claim is still yet to be resolved. i've submitted all documentaion thats been requested from me and have called countless times as to the status of my claim and each time all they say is we can file a complaint on the timeframe of the claim but that obviously isnt dong any good because wer 're going on 3 years with no resolution to the claim

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 2023-07-25
Company: EQUIFAX, INC.
State: NC
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:
I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, XXXX and Experian. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX party Consumer reporting agencies are XXXX  for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.

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 2018-04-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was sold an interest only jumbo mortgage from Wells Fargo. Due to a divorce I attempted to sell the property, I owed XXXX at the time, the home value thru a Wells Fargo BPO came out approximately at $ 750K in XX/XX/XXXX. I applied for the Mortgage Modification Program XX/XX/XXXX. 
Paperwork went back & forth until XX/XX/XXXX when I discovered that Wells sold my loan to XXXX XXXX XXXX XXXX during that time frame for approximately $ 750K without responding to my modification request. Then XXXX XXXX XXXX ( XXXX ) sent me a loan statement saying I owe $ XXXX. After Wells Fargo took the tax deduction for the difference ( $ XXXX $ XXXX $ XXXX ) tax write off for Wells Fargo , they left me close to $ 250K underwater based on loan to value! Also, the mortgage contract stated I could not execute a short sale without the investors ' permission with them having the last word. If Wells Fargo would have worked with me and modified my mortgage loan balance equal to what they sold it to XXXX XXXX XXXX XXXX for I would have been able to keep my home. Instead their WICKED move left me $ XXXX buried and they took the tax deduction. Now XXXX XXXX has put my mortgage into a mortgage backed bond managed by XXXX XXXX. They have rejected 3 short sale offers and counter offered one buyer $ XXXX when the BPO came out at $ XXXX. They ran the buyer off! At this point I am stuck in limbo with my credit and livelihood in jeopardy. Attached is a letter I mailed to XXXX the current loan servicer. I would appreciate your assistance in this matter.

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 2019-10-01
Company: The Outsource Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MEDICREDIT, INC # XXXXXXXThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following account MEDICREDIT, INC # 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 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$81000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX  XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-06-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation