BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: AZ
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 a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX  XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( XXXX ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debtXXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select portfolio services is over charging me. I paid them {$3000.00} and they keep saying I owe them more money.. My payoff was {$2400.00}... I have paid them XXXX I also have the proof.. They are still saying I owe {$720.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX veteran of the XXXX on a fixed income. I proudly served my country as a XXXX, and was able to take advantage of the government VA loan program to purchase my home in 1998. I am contacting you to file a complaint against my current mortgage company Nationstar, who is pushing me into foreclosure. The problem started when the loan ( which was originally with XXXX ) went to XXXX XXXX XXXX after XXXX went out of business. I had an affordable payment and escrow set up and had no problems. However, after XXXX got involved they decided that they had to have their own insurance on the loan which was much more expensive. They essentially made me switch to their force placed insurance. Being on fixed income this created a problem for me. I hung on for quite some time and tried to get XXXX to accept my insurance but they refused ; it did not make any sense because that insurance had been fine for over 10 years. It seemed like XXXX XXXX XXXX was getting a kickback or something by pushing me to change. 

Eventually the well was dry and I started missing mortgage payments and the loan went to Nationstar. I have been trying to get Nationstar to review me for help. They told me that they could not help me because my income was just a little short. So I decided we would rent out a room in our house in order to qualify for help with this loan. I have since been trying to get Nationstar to take a look at our current financial situation but have not made any progress. They do not seem interested in helping me, I talk to a different person every time and nothing has happened since I told them that I have a higher income. It seems to me that they are more interested in foreclosure instead of trying to work this out with me. I feel that I deserve better, and I know that there are government programs set up to assist vets with VA loans and I believe I qualify but Nationstar is not giving me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company numerous times and the credit bureaus to alert them that someone is using my address and information. There is an address in Florida on my credit report AND a collections account in Florida. Im elderly and a I have never lived in Florida. This needs to be removed as soon as possibleXXXX XXXX XXXX XXXX  and I.C. System Incoporated have both reported this fraudulent utility debt. The total is XXXX. The address in my credit report that is also fraud is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I need the collection and address removed ASAP

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 2022-06-16
Company: EQUIFAX, INC.
State: AL
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 XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern : I am writing to file a complaint against Wells Fargo Bank , N.A . ( Wells Fargo ) regarding an unauthorized transaction on my account. 

On XX/XX/2023, I was at a casino in XXXX XXXX and withdrew {$180.00} from an ATM. However, I was also charged {$760.00} for a transaction that I did not make. I immediately contacted Wells Fargo to report the unauthorized transaction, but they refused to credit my account. They claimed that the transaction was valid because it was made with my debit card and PIN. 

I am disputing this claim. I lost my debit card after my transaction of XXXX on XX/XX/2023. I reported the lost card to Wells Fargo immediately, and they issued me a new card. It is clear that someone else must have used my card without my permission. 


Thank you for your time and attention to this matter.

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 2023-01-11
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:
XXXX accordance with the Fair Credit Reporting act, XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX  XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Subject : Default Option of Statement vs. Coupon Issue Details : I refinanced my existing conventional mortgage back in XX/XX/2020. In about a month time frame, the loan was sold and ended up with BB & T ( now Truist ) for servicing, interestingly the same servicer as I had prior to refinancing. Soon after this, I signed up for the automatic draft for the mortgage payment jut as I do for all of my critical payments. As a result, I have been making a regular payment just as I have made before. 

About two months back, I happened to log into my existing BB & T account and I could see both of my loans prior and a new one, though statements only for the prior loan, not the new one. Just yesterday, I called up the bank to inquire on the matter of statements display in my account. Unfortunately, I received the answer that I am a coupon customer, not the statement customer. They had to switch me to be a statement customer from a coupon customer. There are no statements in my account online today! It will take about 25 days for the statement to be displayed, also not knowing my old statements will be available there.

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 2023-05-17
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: Investigation took more than 30 days

Complaint:
611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXXXXXX XXXX XXXX XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXXXXXX XXXX XXXX XXXX has failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
How you doing my name is XXXX XXXX I've been an Avant credit card holder for about five months or more. I received a limit of XXXX because I have above 650 credit score. My credit card was lost and at that time it had {$1600.00} available credit. I notified the credit card company they cut that one off and sent out another card. When I get the card I go to activate it and it's only a {$250.00} limit on it and they charge me {$50.00} for annual fee and never explain why they took all my credit away I have things to do and this was totally unfair cuz my credit score hasn't changed anything so I would like to sue them for {$50000.00} for messing with my time and messing with my flow of business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act, XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail

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 2023-04-02
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( Transunion ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # 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 2018-09-09
Company: CITIBANK, N.A.
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 had signed up for the Citibank/XXXX credit card in XX/XX/XXXX. I forgot to set up payments for this card until XX/XX/XXXX and Citi reported a late payment to XXXX and XXXX. I requested Citi in XX/XX/XXXX to remove this reporting and they agreed. The fixed the reporting in XX/XX/XXXX. But in XX/XX/XXXX Citi reported late payment once again even though I had auto-pay set up on my account this time. I contacted them several times on phone since then and they verbally agreed that the last reporting was a bank error. But they have failed to remove the reporting. I filed complaints via the Citibank Credit Bureau Disputes but they always reply that the reporting is accurate.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: NV
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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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 explanation