BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
I am disturbed that Experian, XXXX and XXXX continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2019-05-01
Company: EQUIFAX, INC.
State: NJ
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:
My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but XXXX XXXX XXXX Equifax has not been corrected. According to the Credit Union they do not report to XXXX XXXX & Equifax, however the 2 accounts show as delinquent with both reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 12 credit inquiries that I did not authorize. The customer service department would not help and take care of the negative inquiries reporting to my credit report and I would like to have this issue resolved. 

XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021

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 2018-10-12
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A background check was done under my name on XX/XX/2018 by First Avantage National Criminal File Plus and found a record on my file. 
( DATABASE SEARCH XDB- FLORIDA XXXX XXXX  REGISTRY ) Case Reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

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 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I never gave CAPITAL ONE permission nor the right to report on my consumer report & the fact that this account is reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : CAPITAL ONE : XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See attached Florida case law. The Statutory presumption in section 673.3081 ( 1 ), Florida Statutes ( 2008 ), provides the following : " In an action with respect to an instrumen, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings ''. 

On XX/XX/XXXX, XXXX XXXX, filed a foreclosure action. In support of their action, the promissory note containing an allonge was attached to the complaint. In XXXX XXXX XXXX v XXXX XXXX   XXXX XXXX XXXX, a homeowner challenge the allege signor to the allonge filed. The court concluded that the defendant have every right under Florida Statute 673.3081 ( 1 ), to challenge the signature or any endorsement, allonge reflected on the instrument. Therefore a homeowner has every right to request any information pertaining to the signature on the instrument. 

On XX/XX/XXXX, A qualified written request under section 6 of the Real Estate Procedures Act ( RESPA ), was provided to Suntrus. The servicer replied by stating that the information seeking is considered confidential. I disagree and the Florida section 673.3081 ( 1 ), also disagrees because the information seeking pertains to a signature on the promissory note. The question is not confidential because we are NOT seeking private information as to the allegesignor place of birth, home address NOR her phone number, but simply the following questions that do pertain to the signature on the instrument. The question is as follows : 1 ) is XXXX XXXX an employee of Suntrust mortgage Inc? If yes, when did her employment start and ended? 2 ). Is XXXX XXXX a representative of Suntrust Mortgage? 3 ) Is XXXX XXXX authorize by suntrust mortgage to sign endorsement, allonges? If yes please provide corporate resolution redacting her signing power.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was being charged extra for not using my debit card a certain amount of times in a month

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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXXXXXX XXXX XXXX / Account number XXXX The account record listed above 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 an 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello Im missing {$500.00} atm didnt give me the money usually I wouldnt be upset things happen but on this date XXXX XX/XX/2022 I made atm withdraw at wellsfargo and atm never gave me the money it took it from my account Ive been on the phone with them about 15 times since then and nobody still can tell me when Im going to get my money its about to be 30 days as of tomorrow and I still havent gotten my money bank manager knew atm was messed up they never called it in they continued to let people try and use it at this point I just want my money back I have bills to pay and now behind and its because they did t do theres job if the manager would of called the atm in as having issues they would of marked it out if service

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 2021-02-05
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Newrez LLC under Shellpoint mortgage incorrectly deducted my escrow account with an inflated city tax payment of {$2400.00} on XX/XX/XXXX. This tax was public record and due for the amount of {$570.00}. This deduction was never paid to any tax office, this check was never returned. I called in on XX/XX/XXXX and was assured everything was normal and denied there was a negative escrow balance even though I had received a letter stating a shortage of approximately {$700.00}. I had filed a complaint of error in XX/XX/XXXX and nothing has been resolved as of XX/XX/XXXX with several calls that promised escalation due to the fact I am selling this home on XX/XX/XXXX. No one at XXXX has answers as to what they have done to my money. This is a complete mishandling of funds and needs litigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX TOYOTA MTR XXXX Late Payment XX/XX/XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I don't remember the dates, but I do remember the overdraft and the save as you go feature that transfers money from my checking account into my savings account was not accurate. However I did not call Wells Fargo to complain, NOR did I complain about an overdraft charge I paid, I just let it slide because I like Wells Fargo. I figured they would correct it on their own, but I came across this article today and decided to address my issues this way to correct the problem.

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 2019-03-16
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit Services , Inc. reported a debt of {$2700.00} to all three credit bureaus, on XX/XX/XXXX. 

On XX/XX/XXXX I drafted a letter to this agency, officially disputing this debt. I informed them that proof of debt was needed in order to pursue this debt, and that this account was due to fraud, being that my personal information was exposed in several breaches. 
In fact the credit bureaus informed me that some of my information is on the dark web. 

At some point the tradeline for this debt was removed from my credit report. 

I received a response to my first letter to this agency, their response letter was dated XX/XX/XXXX. Enclosed, was a printout of a bill/itemized document with my address, but no apartment number. 

On XX/XX/XXXX I sent a follow up letter to Sunrise Credit Services Inc.,  informing XXXX XXXX, who's name was on their XX/XX/XXXX response letter, that A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION, as per FTC opinion letter from attorney XXXX XXXX XXXX. 
In Fact the FCRA, protects consumers, by ensuring that there is an original document, signed by the consumer. 

As of today, XX/XX/XXXX Sunrise Credit Services , Inc., has not responded to my XX/XX/XXXX letter. 

On Monday XX/XX/XXXX, Sunrise Credit Services , Inc., decided to VIOLATE THE LAW, by again, illegally Adding this Unvalidated debt to my credit file. This company did this without ever responding to my 2nd letter, which informed them that they have not validated this debt as belonging to myself. 
They boldly and blatantly disregarded the Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXXXXXX Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have trying to refinance and my mortgage servicer Flagstar has added XXXX to my principle balance making not possible for me to do an FHA Streamline. I first contacted Flagstar around XX/XX/XXXX to ask them why they added XXXX to my balance and they could only say that there was a shortage to them when they purchase the loan from XXXX XXXX XXXX. I asked them, what does that have to do with me and how is it legal to add principle to my mortgage balance. They just said they can do it. I have called a total of 4 times and each time they say they will escalate to management to try to resolve my issue. I was able to contact the original lender XXXX XXXX with the help of my loan office and XXXX XXXX was able to confirm that they transferred the loan with the correct loan balance and that there was a principle reduction that took place at closing in the same amount that Flagstar added to my loan balance which I believe is an illegal act. You can't just add money to someone loan balance and effect the amortization of the loan. I gave the proof that Flagstar is in error to their customer service person ( you can not speak to a manager ) and so far my loan balance has not been updated and my interest rate is expiring thereby not allowing me to refinance because I can't get an accurate payoff. This problem can be resolved in 30 minutes if I can somehow speak to a person who has the power to see the error or put that person in touch with the represented from XXXX XXXX ( the original lender ) but apparently Flagstar is so big that you can't speak to anyone that can make a decision. They quote 24 to 72 hour to resolve the issue but I am on 4th try over span of 3 weeks going on 4 weeks and nothing. You should nail these Flagstar guys as I am suffering a loss because they can't seem to get there loan servicing straight. Again, I believe it is illegal to add principle to a loan balance period. How in the world could a borrower owe more money to their principle when all payment have been made on time and the loan was originally funded with the correct principle balance. It's not possible. Please help me get through to these people. Sincerely 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 explanation
Consumer complaint received 2021-02-07
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX, 2020. I tried accessing my credit card year-end summary. It was not available online. When I asked where to find it, I was given a random URL ( https : //www.penfed.org/forms/credit-card-annual-summary-request ) to go to to request it. By random, I mean it isn't accessible from any links on the website. You have to know where it is. I also tried the search function with " credit card year end summary '' and then just plain " year end summary and it didn't show up. Once on the page, I found out it isn't just a page to get the summary, but to ENROLL in a REQUEST to get one AND the request has to be made by XXXX XXXX of the prior year. When I asked about this I was told ( paraphrased ) " nothing we can do ''.

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 2021-02-05
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Mountain Land Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.

Company response to consumer: Closed with explanation