BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a text message from a phone number XXXX claiming a {$1400.00} transfer could not be completed through my Wells Fargo account. This is not in the slightest bit correct as I do not have a Wells Fargo account anymore. It sent a link http : XXXX. I opened it and it asked me if a was a robot and when I clicked no it directed me to a Wells Fargo login and when I clicked on dont remember password/username it remained at this page and didnt take me anywhere else. This is very suspicious and would like to work towards a resolution.

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 2021-12-19
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:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX charged my account {$6.00} a month for a long time. I go to XXXX XXXX frequently and never noticed. After I finally started seeing a pattern, I called them to find out what the deal was. I had not authorized a monthly charge of any kind. They could not find a reason that I was being charged, but yet still refused to give me a refund. They would not take the charge off of my account and I was forced to change my credit card number. Then I tried to dispute it with Bank of America. They could only go back 1 year. They told me the total they could do was XXXX. This was last XX/XX/2022. They did credit me some of this money, but later charged me for it again. I believe at this point, I have only received XXXX credit. I just called them and still no resolution. After 6 months, I am tired of waiting. They have closed the dispute twice and I had to re-open. I want this resolved as 6 months is more than enough time to get it done. I am hoping you can help

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 monetary relief
Consumer complaint received 2023-06-26
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}

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 2023-06-26
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made 3 complaints now. I do get responses. In the response to my complaint they said If an account is late thirty days they assume you abandon the property and send a person to drive by. I believe my late fees were {$560.00} because I was just over 30 days. Is that legal? 
Second, they keep sending information I have a 2nd mortgage of {$36000.00} from my loan modification. It should included in the {$110000.00} balance. The invoice shows {$110000.00} on one page and then the next page with no details jumps to {$150000.00}. Even if the {$36000.00} isnt in the {$110000.00}, {$98000.00} or even $ {$100000.00} does equal {$150000.00}. 

I was told they could not lower my principal balance and that is why I wanted the upside down modification at the time Obama was offering. I have statements saying my estimated balance is {$150000.00} with the 2 mortgages together. I received their response and I am told it is {$110000.00}. That is a large difference to me. My balance was {$98000.00} to {$36000.00} equals {$130000.00}. This company is taking advantage of the lower income and I think the entire account needs gone thru line by line. What is an accounting company that would do an examination of the account to the XXXX days? I did bankruptcy in XXXX and paid every payment until XXXX when it ended. I have all the documentation from all names they have used. Can they charge me 30 day late for someone to come look and take pictures of my house. I think, its more like 90 days before they can do this. 

Is there other agencies I can send copies of my loan to to see if what is going on is legal and is my balance {$130000.00} or {$150000.00}? 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
On XXXX i

sent the following letter via certified mail to all three credit reporting agencies.

To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXXXXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 Bank of America put a pending deposit hold of $ XXXX in my account I have called multiple times trying to figure out what the problem is. They stated this was done by the fraud department. When I spoke to them they told me my account was being reviewed and it should be concluded soon with no exact date as to when that should be done. I have no access to any of my money because of this hold.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
under previous case XXXX we attempted to seek assistance under the CARES act ( Section 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan regardless of delinquency status ) I was informed that the loan was not covered under the act see response under previous case ( attached as exhibit ) There response clearly stated that this was " not '' a federally backed loan and that a balloon payment was necessary at that time in the amount of {$5600.00}. I had to borrow the funds to bring the account current to avoid being foreclosed on, based on the response they provided myself, as well as, the oversite agency responsible for protecting me the consumer. Today, I received correspondence contrary to the previous case stating that the loan is in fact covered under the CARES act. ( Attached as exhibit ) Select Portfolio Servicing is in direct violation of the CARES Act and directives from the XXXX XXXX XXXX XXXX in the previous response and result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery put a {$470.00} collection on my credit report claiming it's a debt from XXXX, I've contacted XXXX and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from XXXX, however I use them to make payments on the spot using my credit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: Santander Consumer USA Holdings Inc.
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:
Santander insists on furnishing inaccurate information to the credit bureaus. The account is inaccurate due to no account type. The high balances are inconsistently reporting between the bureaus. How can the account have been verified as accurate with a blatant inaccuracy reporting month after month. I have disputed this account directly with the bureaus and have not made any progress and they simply refuse to investigate it any further which is illegal. Santander shows on my credit report they last reported the account on XX/XX/XXXX at one bureau and XX/XX/XXXX on the others. That is inaccurate. They are in violation of XXXX XXXX because they claim the account was sold to another lender yet they have failed to report to which lender. I have a right to know who is trying to collect money from me. The dates last active is inaccurate because they are inconsistently reporting between the credit bureaus. I have requested a record of the payment history to prove the last payment was made on XX/XX/XXXX and XX/XX/XXXX because they have 2 dates listed for the date of last payment. They have not responded nor provided a record of the payment history to prove a payment was even made. That is falsifying information to prolong the length of time the account is to stay on my report to purposely further damage my credit rating. Since they claim the account was sold to another lender why are they continuously reporting on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX XXXX was paid off by myself on XX/XX/2022. 

Related Foreclosure Complaint Dismissed the next business day XX/XX/2022 by XXXX. 

In Florida, in a case Dismissed by the Plaintiff, the Defendant is considered to have prevailed. In such cases, the Plaintiff is not entitled to " Legal, or Attorney, Fees '' from Defendant. 

In this subject case, XXXX XXXX Nationstar Mortgage, d/b/a Mr. Cooper, listed a mere {$200.00} for " Legal Fees '' on the Loan Payoff Statement, but {$26000.00} in " Corporate Advances ''. A subsequent revelation supplied by Nationstar showed that {$25000.00} of that " Corporate Advances '' was actually for " Legal Fees '' after all. 

On its face, this would appear to be deceptive and an attempt at fraudulently " hiding '' improper fees on one line, and listing small, easily repaid fees on another line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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