BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay escrow as part of my loan agreement ; property tax and HO6 insurance. Last week I found out that Flagstar failed to pay my HO6 insurance company ( XXXX XXXX ) back in XXXX and because of this they canceled my policy. I had no idea I had no insurance for almost 3 months. It is important to mention they did this EXACT same thing with my last HO6 insurance company ( progressive ) back in 2021. They simply did not pay and my insurance was dropped. No one reached out to me but they kept accepting my new escrow payments. 

I called last week and a rep tried his very best to get my plan with XXXX XXXX back in good standing but the company refused to take me back on because of the long gap in my policy ( understandable ). 

I filed a complaint that day and expected someone to follow up. I called today and got the run around. I was on the phone for about a hours and talked to 4 people including a supervisor. EVERY person gave me different and conflicting information. One rep even tired to say I have no money in my escrow account ( I can see the amount on my portal, its currently at {$1200.00} so he blatantly lied to me, a SUPERVISOR no less ). 

At this point I am requesting that they give me the money that was supposed to go to my former HO6 company, I would like get a new company and use the money to pay them in full. I also no longer want to do HO6 insurance through Flagstar. I simply do not trust they will make timely payments. When I make this request to a rep they hung up on me. I called the FDIC to make a complain and they said the CFPB was a better route to take. I just want my money and to be able to get another HO6 policy.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bank with Well Fargo. I have been their customer since XXXX. Thankfully this is the first time ( and I hope the last one ) that I get scammed. 

On XX/XX/XXXX, I attempted to purchase concert tickets and paid {$170.00} dollars. The person blocked all communication as soon as I passed the money, and no tickets were received. This transaction was done via XXXX through Wells Fargo. 

I called Wells Fargo immediately, and they told me that the other individual had successfully received the money and that there was no way to retrieve it. They transferred me to the claim center to file a claim. 

I received an email informing me that it could take up to 10 business days to investigate. It has been over ten days, and as I called their claim center today, WF let me know that the case was closed. No email was sent, and no notification was given that the case had been closed. 

Additionally, when calling today to find out the claims status, the claim representative was rude and lacked empathy. She said that their investigation consists of checking in with the other persons bank, and it is a matter of he said, she said, and they trust the other banks customer. 

Situations like this make me feel very vulnerable at the lack of banks trying to look after our well-being. 


Kind Regards, XXXX XXXX From XXXX, AZ ( 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 2019-09-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LVNV Funding LLC continues to report on an account that has been paid off since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.

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 non-monetary relief
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... .the response they sent is uploaded Accounts in question was : 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 These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
Did not apply for a XXXX XXXX loan.Did not give this company permission to pull my credit

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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: AAA Collections
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a missed called today XX/XX/2019 from phone # XXXX. I called the number back and XXXX answered the phone, gave his first name and asked who I was. I asked repeatedly what the name of the company was that I was calling, he refused to tell me and hung up. I called a second time and that representative also refused to tell me the name of the company. My 3rd call was to XXXX XXXX, I believe, after I identified myself ( with name only ) he finally told me the name of his company AAA Collections out of XXXX XXXX SD, read me the " mini miranda '' and advised me of a debt with XXXX. He did not attempt to verify a second piece of information with me such as my address or dob or ssn to verify it was in fact me before disclosing the debt, which is a violation of FDCPA. All three representatives also refused to give me the name of the company I was calling even though I specially asked repeatedly, also a direct violation of the FDCPA. and I have recieved absolutely no written correspondence about this debt from this company and was completely unaware of said debt, a validation notice is required to be sent to the consumer notifying the consumer of the alleged debt and notifying the consumer of their right to dispute or request validation of the debt. They have not provided me anything, also a direct violation of the FDCPA collection practices. I informed the representative on the phone that it is against FDCPA practices to refuse to give your company name. I have all 3 calls recorded and can provide them if needed. I also told him they do not have permission to contact me on my cell phone in the future. I have not yet decided if I will be consulting with an attorney and taking legal action but it is a possibility. If you want copies of the phone calls please let me know and I can email as I can not attach below from my phone recorder app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : 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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent certified letters to all 3 credit bureaus, XXXX, XXXX   and TransUnion about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. Trans Union claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.

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 2023-05-18
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a review of my credit report. I dont recognize the account below Acct name I C Systems Inc Acct. numberXXXX Balance {$430.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my 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 : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to 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 2023-02-22
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023- Large transactions were made to various individuals I do not know or have any relationship to. Completely inconsistent with previous history of using the Paypal service. 
XXXX XXXX, 2023 - I file a dispute against the scammers to recover funds taken from my credit cards under the guise of " friends and family transactions '' in excess of {$20000.00} USD XXXX XXXX, 2023 - No contact is provided to me other than a notice that the charges were not unauthorized and consistent with my " transaction history. '' Note attached transaction history is provided to show how absurd that claim is, nonetheless to make against a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The attached exhibits clearly display each violation of federal law against my consumer rights that Fed Loan Services has committed and if I did not send a cease-and-desist letter on XX/XX/2021, Fed Loan Services would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. Fed Loan is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. Fed loan Services also has been sharing my information with XXXX parties that were not involved at all with the initial consumer credit transaction which also violates federal law. Fed Loan Services has caused much pain and hardship for me and my family as consumers and they must be stopped before Fed Loan Services continues to violate other natural persons consumer rights. The referenced Fed Loan Service account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, XXXX  XXXX and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The attached exhibits clearly display each violation of federal law per the FDCPA against my consumer rights that XXXX  XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not a loan and I am not a borrower instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( Equifax, XXXX, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX  XXXX Balance Owed : {$19000.00}.

Company response to consumer: Closed with explanation