BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent Portfolio Recovery 11 validation of debt letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  Portfolio Recovery refuses to comply with my validation of debt requests. Instead of complying with my validation of debt requests and sending the documents that I have requested in my validation of debt letters, Portfolio Recovery sends the same computerized letters to me in the mail. Portfolio Recovery is reporting false information to the credit reporting agencies, since they refuse to send the documents that I have requested in my validation of debt letters to validate the debt claimed owed. I sent a cease of communication letter to Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery continues to send letters to me everyday, after I have asked 11 times for them to stop contacting me by mail. I have received 4-5 letters from Portfolio Recovery every day, since I sent my first cease of communication letter to Portfolio Recovery on XX/XX/XXXX. I have copies of all validation of debt letters, email and written correspondences and cease of correspondence letters sent to Portfolio Recovery, as evidence. All evidence will be sent in the mail to the Consumer Financial Protection Bureau. The continuous harassment by Portfolio Recovery has caused me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX person. I had a XXXX XXXX. I have had to take a different job that pays me less than my original job. I have asked Wells Fargo for help in lowering my payments. They continue to refuse to help me even though I am eligible under HAMP rules. They are discriminating against me because I am XXXX. They are breaking ADA laws and are trying to get away with it. They are trying to force a XXXX person out of their home. They would rather see a XXXX person on the street then give them a lower payment that they can afford.

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 2023-04-27
Company: Experian Information Solutions 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number # # # # # # XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction 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 have 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 non-monetary relief
Consumer complaint received 2023-02-18
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-18
Company: Ad Astra Recovery Services Inc
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

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 2022-09-30
Company: EQUIFAX, INC.
State: GA
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 on XX/XX/XXXX with Equifax through the cfpb about the furnished accounts on my consumer report. 

equifax came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Equifax shows a balance of {$950.00} XXXX shows a balance of {$850.00} Equifax shows the account being late beginning in XX/XX/XXXX XXXX shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as Equifax stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2022-01-10
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: Public record information inaccurate

Complaint:
I filed XXXX XXXX Bankruptcy in XXXX of XXXX. I was assigned a XXXX payment plan with my trustee to which I successfully completed in XXXX of XXXX. My Discharge notice was filed on XX/XX/XXXX and the Ordering Closing was finalized on XX/XX/XXXX. A Bankruptcy type can either be discharged or dismissed. The difference with these types are what require either a 24 month or 48 month waiting period when applying for a conventional loan. Due to TransUnion reporting my Bankruptcy type inaccurately it is not allowing me to purchase my dream home with a conventional loan to eliminate paying PMI.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

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 2023-07-05
Company: NEXA Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted XXXX XXXX with Nexa Mortgage to apply for a new purchase mortgage loan and wanted to obtain a pre-qualification so I could begin shopping and submitting offers. When I spoke with XXXX XXXX, he explained that he was going to do a soft pull of my credit just to get the pre qualification done so I could begin the buying process. Then, suddenly a hard inquiry was placed on my credit and then XXXX XXXX took an unreasonable amount of time to get the pre-qualification letter over to my realtor, which almost caused me to lose a house I was interested in. Then, I asked XXXX XXXX for additional information and he kept giving me the run around, telling me he'd get me information by certain deadlines, which he would miss consistently. I had to XXXX  XXXX XXXX and go with a different lender as he was not honoring what was promised. I contacted Nexa Mortgage to file a complaint and was told I would receive a call the next day but no one ever contacted me back. I called to follow up and the line was disconnected so I called back and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I are in the process of doing a Boundary Line Adjustment with our neighbors. We are acquiring property through this adjustment and it is a cash transaction. We need lender consent for the county to complete this process, even though we are acquiring the property and adding value and land mass to our property. 

I emailed the documentation on XX/XX/XXXX, I again efaxed it on XX/XX/XXXX. Through a complaint through my original broker, I was contacted by United Wholesale Mortgage via email and sent the documentation again on XX/XX/XXXX. Today is XX/XX/XXXX, approximately XXXX weeks after the initiation for lender consent. I have just spent XXXX hours on the phone with United Wholesale Mortgage and after being passed around to XXXX different people, no one can verify at what stage my request is at. Supposedly the supervisor of the Special Products Division was contacted but would not give status because the review process was not complete. I then talked to an Escalation Specialist who asked that I send the documents yet again to yet another email. I feel we have been very patient, but it is quite frustrating when you can not deal with just one individual sending documentation direct to who is supposedly working on my file. I can only send to general emails and no one will give me their individual contact information so I can deal with only one person. This is not acceptable to a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-06
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I paid my electric utility bill of {$250.00} using Key Bank bill pay. The electric utility merchant say they never received the payment. Key Bank provided proof of payment, but the merchant said Key Bank is using XXXX, a third party who has been paying my bills using various credit cards, such as XXXX and XXXX Card. Key Bank said they can't provide my with any details on the credit card XXXX used to track down the missing payment. This is unfair deceptive business practices. I never authorized my bills to be paid by credit cards. Please help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Business Name : XXXX XXXX XXXX XXXX XXXX Name : Fifth Third BankXXXX XXXX Ohio ( Owns the bank ) On XX/XX/2021 I called and spoke with Representative # XXXX and told her I wanted to cancel my debit card. She asked had I been defrauded and I responded no. She said she would not cancel the card. I informed her that I am the owner of this company and this card, I do not want this card used anymore, All prior authorization has been revoked and therefore are no longer authorized to use this debit card and I want the card cancelled immediately. She said she cancelled the card and was sending the new card as requested. I agreed to pay {$30.00} to overnight the card so that I would have one for my account asap. I received the card the next day as agreed and immediately filed the card in a safe location and never used the card to date. 

Today, I noticed a transaction on my checking account that was charged to the new card I never used. I checked mu account with the creditor and the old card number was on file, not the new one. 

I called Fifth Third and spoke with XXXX, a manager in business customer service. She explained Representative # XXXX did not cancel the card as instructed. She replaced the card and transactions would go through with the old card number. 

I am sending this complaint to you because Fifth Third has a history of unethical practices and routinely ignores the authority of the account owner and does at it pleases. The original representative # XXXX clearly did not want to cancel my credit card as instructed. Her personal preferences were used to control by account and my money. This is unacceptable and should not be tolerated. 

While XXXX apologized, refunded my {$30.00}, has cancelled the new card and is sending another, this does not excuse the fact representative # XXXX acted inappropriately, she failed to tell me what she specifically did to my debit card therefore her actions were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Wells Fargo has sent a notification that they are threatening me by not allowing to payoff my loan per the schedule and over my remaining payments. My loan term is through XXXX but I have made early payments when I could. They are insisting that I pay it off 4 payments/4 months early. If I do not pay off they will take the money from my escrow account to payoff my balance and my recording fees. This is causing undue hardship as I must set aside {$300.00} per month for property taxes regardless plus their payment of 4 principle payments early plus recording fees totaling {$470.00}. Instead of my normal payment of {$400.00} I need XXXX this month to cover my expenses. This balloon payment was hidden and not fully disclosed at the time of my loan.

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