BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account with Bank of America online. Once the account was opened I set up direct deposit for this account for my employer and also set up mobile banking everything was confirmed. On XX/XX/XXXX I received an email that my debit card was on the way. I tried to log into my mobile banking app and was told that they couldnt locate my account. I received my debit card on XX/XX/XXXX and attempted to activate the card and was told that the card number couldnt be found. XX/XX/XXXX I reached out to Bank of America to find out why I couldnt activate the debit card and it was at this time I was told that the account closed due to my identity couldnt be verified. I was never notified by Bank of America that they couldnt verify my identity. This is all happening during my pay week. Fast forward to Friday XX/XX/XXXX and my direct deposit is sent to this closed account. I called Bank to inquire about the deposit which they confirmed was pending which confused me because the account was closed. I was then told that a hardship request can be filed and I could go into my local branch to receive my direct deposit but when I get to the branch I was advised that is done via the customer service center and we placed a call to the contact center and spoke to a rep that advised me that the hardship withdrawal couldnt be done due to the transaction was still pending and I would have to wait until Monday to get any type of resolution which I advised him that was unacceptable because I was told that it could be done and also why would the bank accept a deposit for a closed account. He couldnt answer the question and tired to end the call I then requested a manager. XXXX  took over the conversation and was unsympathetic and cold she went on to explain that deposit was pending and nothing could be done. I also asked why the account was closed which no one can explain why.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-10-30
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company IQ DATA INTERNATIONAL continues to report an account that is past the statute of limitations to collect in the state of Georgia. Remove and stop reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request the method of verification for dispute initiated on XXXX/XXXX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX 2. Account # XXXX 3. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

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 2023-04-04
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From the statr i was tricked into co-signing a car loan for a relative. I was told in 6 months i was going to be able to remove myself off the loan. I called Westlake Financing company and they told me i can not remove myself and that i wasn't a co-signer, i was actually the buyer. They do not have the signed paper work of my relative. Fast forward, the car got repoed so now im the one responsible and its hurting my credit, I told them and even have proof that the car was for a relative, I hava the bank statements showing that relative was the one making payments. The address they repoed the car car is proven to be that relative address, NOT MINE. So Westlake Financing Company sued me for the remaining balance of {$5500.00}. I have to make monthly payments towards the balance. I was informed they will reopen the account and report the payments to the credit bureaus. Westlake still hasn't open the account and hasn't reported the payments. I've called numberous time and has been transfered to different representative and given different numbers to call and no one seems to be able fix the issue or help me. This account is making a negative impact to my credit report and it does not even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Kriya Capital, LLC
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  list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

Account name CREDENCE RESOURCE MANAGE Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name CREDENCE RESOURCE MANAGE 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 Account name 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 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 2018-09-07
Company: Phoenix Asset Group LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone claiming to be from Phoenix Asset Group, LLC. Mr. XXXX and Mr. XXXX informing me that they bought my debt from XXXX XXXX. The company is located in Minnesota according to the website. You can XXXX it, but it continues to say pages arent available with an error message. I was able to cal number on website and an individual answered it with hello and couldnt understand how I was able to call her cell phone as well as didnt know her companys phone number. Voicemails were left about taking action in the county I  live and wage garnishment. I was also informed I received a document from XXXX XXXX informing me of them buying the debt. I never received the letter and informed them of a pending divorce and to contact my lawyer. They refused to do so. They refused to send any correspondence except for a contract by email after I gave them a debit card number to take biweekly payments of {$130.00} after a down payment of {$270.00}. This is the second fake company out of XXXX XXXX which has posed as an agency to get money out of me. I requested they contact my lawyer and to stop calling me and they stated I had to put it in writing, but didnt give me the address. At this point Im 100 % sure this is a fraudulent site with several individuals posing as agents/representatives of the scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
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 have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had a problem with capital one credit card since XX/XX/2022. It was frozen due to " suspicious activity ''. However, there was no suspicious activity. They are incompetent. I have followed their procedure to fix this at least 4 times. But they due nothing except lie to me. I want to close this $ @ # % $ $ % ^ & account but they won't communicate with me at all because there is a problem with my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I initiated a transfer from my bank to Venmo, Venmo has it stated my funds would be available on XXXX and its now XXXX and my funds are not available and they will not release them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was over charge interest rates principal Im not sure if Im in the correct section but I have spoke with someone in the mortgage department I over paid my monthly bill which was XXXX I was paying XXXX, Im not understanding I paid {$14.00} over the monthly amount and they will not refund me. I took out a {$25000.00} loan and Im paying back {$50000.00}. I dont understand why is the interest rate and principle so high Im just about finish paying for the mortgage 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
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please see attached letter, exhibits, and identification documents. The three accounts addressed in my letter were concluded to be DELETED according to the investigation results described in TransUnion 's correspondence letter sent to me on XX/XX/. Also attached as an exhibit. However, as seen in a copy of my credit report from XX/XX/, the accounts are still reporting. I am demanding this matter be taken care of promptly, pursuant to 15 U.S.C. 1681e ( b ).

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 2023-04-04
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaints are being processed with the Second Judicial Court in XXXX XXXX, XXXX. Nationstar is not a legally valid servicer, and XXXX XXXX is not the beneficiary. XXXX refused 2 full loan payoffs and prohibited monthly mortgage payments on an account that was not in default. See attachments for further specific details of XXXX 's wrongful foreclosure. The CFPB has secured substantial Consent Judgments for the misconduct that XXXX is perpetrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Credit Control, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had to pay XXXX College the remaining balance on my bill of XXXX in XX/XX/2020. I agreed to pay as long as they would remove it. They said they would. I ended up paying off the collection but now both the debt collection agency and the school have refused to have it removed. Its like I did what I was asked to do now they are refusing to remove it and refusing to respond 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 2018-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a mortgage which was subsequently sold to Mr. Cooper. Prior to the sale of my mortgage, the previous servicers had purchased property insurance on my behalf due to their not receiving the proof of insurance that I had submitted. They later received the proof of insurance and cancelled the policy they placed and the premium was refunded to the loan servicer. Subsequently, Mr. Cooper acquired my mortgage but the refund had not hit my account on the date of transfer. My Cooper has been charging me for an escrow payment of {$100.00} each month since that date even though I have no escrow account with them. Purportedly, it is to recoup the insurance premium that was refunded to the loan servicer. I've spoken to both the original loan service and Mr. Cooper on the same call and these facts have been confirmed and that I owe no escrow amounts. However Mr. Cooper has continued to charge me for the escrow improperly. In essence, they are stealing money from me because no amounts are owed and they agree that no amounts are owed. I've been dealing with this issue with them repeatedly for several months. Now when I try to speak to a representative, their customer service number will not allow me to speak to a person. You can only receive automated information unless you are requesting to refinance with them. I need your help it getting Mr. Cooper to stop stealing my money. I've asked them to apply all of the amounts they collected in error to principal but after several months nothing has occurred. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: SC
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:
During initial contact with Equifax, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from XXXX XXXX. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted XXXX Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted XXXX again on XX/XX/XXXX certified mail as well regarding the same accounts. According to 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a certified letter to Experian that was received and signed for on XX/XX/2023. It has passed the 30 day mark since receipt of the letter. This letter was in regard to the inaccuracy of your reporting. On XX/XX/2023, I sent a certified letter with a green return receipt via USPS to the address of the creditor XXXX XXXX  ) provided by your company. The mail came back undeliverable and enclosed is a scanned copy of the front and back of the envelope with the tracking numbers available along with proof that this address came from your companys consumer report. The letter was marked by USPS as undeliverable on XX/XX/2023. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681e ( b ) and 15 USC 1681s-2. As a consumer, I am protected under 15 USC 1681i against inaccurate and unverifiable information being reported on my consumer report. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. I am requested a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681e ( b ). Furthermore, as per 15 USC 1681s-2, I requested that you promptly notify the data furnishers associated with the disputed information about my dispute and I have heard nothing back. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is inaccurate or have reason to believe is inaccurate. It has been 30 days since receipt of the letter and there has been no response.

Attached : State ID and Bank statement showing proof of address, undeliverable mail from USPS, photo of Experian report with creditor address shown, and signed green return receipt

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