BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I sent a letter to the XXXX along with documents from Wells Fargo and a spreadsheet showing a detailed list of every financial item from XX/XX/XXXX until XX/XX/XXXX. It was assigned complaint number XXXX and forwarded to Wells Fargo XXXX The intent of these documents was to show the deceitful way in which Wells Fargo serviced my loan and the deliberate lies made by Wells Fargo. This account was passed from Wells Fargo in XXXX of XXXX to XXXX  for servicing. Wells Fargo never directly answered my questions about the missing payment from XXXX XXXX or the disappearance of {$2300.00} in escrow that went into my account in XXXX of XXXX. The letter I received from a executive of Wells Fargo on XXXX XXXX of XXXX still claims an escrow overafe from XXXX of XXXX was applied to my XX/XX/XXXX payment. As is shown on the financial spreadsheet this is a false statement. In actuality in XXXX of XXXX the escrow account was short by {$340.00}. The so called escrow overage was funded out of the funds I sent in XXXX of XXXX. Also the {$340.00} shortage was paid along with the beginning scrow balance of {$730.00} on the XXXX XX/XX/XXXX starement. The letter stating there was a escrow overage in XX/XX/XXXX was sent in error. Why Wells Fargo was not honest and say it was an error is what I did not understand. When reviewing the spreadsheet I Found that wells fargo intentionally caused my attempt to refinnce and get my mortgage undern90 days late was blocked by reversing the XX/XX/XXXX payment on XXXX XXXX. THE {$1200.00} was also taken back and never accounted fot as it is not included in the YTD amount paid in XXXX nor is the YTD amount paid into escrow correct. .This isnt correctable by Wells Fargo XXXX I want the appropriate legal action taken against Wells Fargo. Also if Wells Fargo applied a advance of {$2200.00} around XX/XX/XXXX where did it go? The amounts due for this account were not correct when handed off to XXXX. I notified both corporations. Also, I verbally requested a legal firm be added to my account in XXXX of XXXX in a 3 way conversation. Wells Fargo granted them access on XXXX XX/XX/XXXX. 6 days before they made a final decision on my request for a modification.This cost me {$6000.00} and they never had a chance to see anything.

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 2023-03-04
Company: BARCLAYS BANK DELAWARE
State: MD
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 was checking my XXXX credit report and noticed 1 Inquiry was reported on XX/XX/XXXX to Barclays Bank. I never made this request for a new line of credit, as I already have a Barclays card. 

I first called Barclays to see if they could remove it themselves, and more importantly, if they even solve this account in their records. The employee at Barclays that I spoke with, stated that they only could find one account in the records under my Social Security number, which was the Barclays card I currently have. they could not find those cars that was requested for opening last XXXX. I also reached out to XXXX XXXX who, similarly to Barclays, suggested to reach out to the government in reporting it as fraud.

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 2020-03-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My bankruptcy cases, I have three bankruptcy cases still showing on my XXXX, Experian reports, to where's XXXX  have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint 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 explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Equifax Report XXXX score was XXXX. I have not made any hard inquiries and nothing has changed on my account. The other Bureaus gave me a Good score and it has not changed. For no reason in 24 hours they dropped it from Good ( XXXX ) to Fair ( XXXX ) for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NC
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 violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it states that the consumer reporting agency can not furnish an account without my written instructions

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 2023-05-07
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2022-10-19
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its XXXX XXXX XXXX XXXX I dont have any credit accounts with XXXX XXXX XXXX XXXX there is no wet signature with said company and XXXX XXXX XXXX XXXX XXXX. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with XXXX XXXX XXXX XXXX or this agency

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 2021-01-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  states that I opened a credit card and billing account with them. 
Apparently the application was sent online on XX/XX/2016 from IP address XXXX. 
The email address they mention is not mine. The phone number they mention is not mine. They sent me a letter asking me to call their fraud dept. at XXXX. I have called them 3 times in the last 2 weeks, I get a phone message, saying that they will call back in 48 hrs. Nobody has done so. When I call their consumer line number, they say That they can not help. 
The amount of money involved is {$620.00}. 
XXXX  XXXX XXXX  has since then transferred the dispute to XXXX XXXX in Nevada. 
Who have reported this to the credit agencies without verifying the authenticity of the account. As a result my credit scores I have no connection to these accounts which are all based on identity theft. 
The credit companies are putting minimal effort to verify the authenticity of the claims.

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 2022-03-05
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 18 months ago I saw a drop in my credit score. I identified a negative entry for Shellpoint Mortgage. Up until then, I had never heard of them before. This had never showed up on any previous credit reports going back decades.

I then discovered this was the mortgage that my ex-wife is responsible for, her home in Virginia.

Now she has decided not to pay this on time or at all. I talked to Shellpoint several times trying to get answers about this. The only thing that I found out was that it is a 50 year mortgage. Every time I asked to see the originated documents on this 50 year mortgage I was told that they are investigating it. 
First, the mortgage is in the name XXXX. This is not my legal name. My name is XXXX. I also go by XXXX to avoid the jokes, but never XXXX. Secondly, why have I not seen this before last year? 
The impact on my credit score has been devastating. I filled complaints with the CFPB to no avail.

Now I realize that Shellpoint Mortgage is trying to strong arm me into paying this mortgage by holding my credit score hostage. Why else would it suddenly show up in my credit report after almost 3 decades? The are trying to force me to pay something that isn't my responsibility. Clearly, they are dealing directly with my ex-wife as this account is secured by a password I do not know, and see me as the cash-cow. I have never received any tax benefits from this home, and have never had any contact with them prior to this showing up on my credit report.

This is clearly a fraud being perpetuated by Shellpoint being aided by the big three credit rating agencies. I will not yield to their extortion, especially when this 50 year mortgage is blatant predatory lending. Because of the time this has unknowingly existed, I am unable to sue for this immoral and illegal lending practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name 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 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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXXXXXX XXXX account ( XXXX ) and the inquiries made by XXXX on XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

Sincerely, 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 2022-10-11
Company: AMERICAN HONDA FINANCE CORP
State: OH
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:
On XX/XX/22 a sales agent contacted me to upgrade my current leased vehicle and apply for a vehicle that had come in. I advised that I didn't get off of work until XXXX and asked if the vehicle would be there or should I fill out an application. His response was to fill out the application, so I was understanding by doing so, if approved the vehicle would be there. When I contacted him after I got off work, he told me the vehicle had sold. I asked him if he had ran my credit for no reason and recieved no response. I ended up talking to the General manager who said he would have the inquiry removed from XXXX but it still is showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from Pro-Com Services of Illinois. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted Pro-Com of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Tracking pixel  All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. 
After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed an old vehicle loan that was written off with XXXX multiple times letting them no the collection agency agreed to do a pay for deletion and they did not acknowledge the agreement after I payed the debt in full which is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2022 I XXXX XXXX went to XXXX XXXX XXXX with a Bill Of Exchange and the finance Department XXXX said that they do accept Bill Of Exchange because it legal tender and Tender Of Payment. XXXX Provided me with they account and routing number for the wire transfer and said they bank with Wells Fargo as I do to. Upon entering Wells Fargo the Bank Teller Was Nice and did seek advice about the Bill Of Exchange cause she was unaware of the Bill Of Exchange. She later on stated the Legal Department Viewed my Bill OF Exchange and said Wells Fargo Do Not Offer Those Services. 12 U.S. Code state Different. Also state any member bank may accept drafts or bills of exchange drawn upon it having not more than three months ' sight to run, exclusive of days of grace, drawn under regulations to be prescribed by the Broad Of Governors of the Federal Reserve System. I Then Called Wells Fargo Corporate Office Headquarters and they stated The Treasury Management and Trades Service Department had the same findings that they do not have the function to process my Bill Of Exchange. I have Legal Court Documents that show if you are in the Banking Business A Bill Of Exchange is a Form Of Payment and is used to Discharge/ Set-Off Debt do to XXXX. Its the United State Obligation to Discharge all Debt Of America. The Law Never Change. A Bill OF Exchange is Basically A Federal Reserve Note and Banks Do Deal With Them Type Of Instruments. Bills Of Exchange, Promissory Notes, Etc. Never once told it was fraud cause its not knowing that I do have legal documents of judge saying a bill of exchange is a banking instrument and if your in the banking business its acceptable. I AM BEING DISCRIMINATED AGAINST. On My Bills Of Exchange you'll see it comes with a Full Letter Of Advice and They Was Supposed to Fund The Account Of XXXX So I Can Pick UP My Car But They Interfered with Commerce and that against the law felony under the XXXX Act. XXXX, PUBLIC LAW 73-10, REGULATION Z " TRUTH IN LENDING ACT '' ( REGULATIONS J ) ALL THIS IS INCLUDE ON MY BILL OF EXCHANGE TO MAKE IT LEGAL TENDER AND TENDER OF PAYMENT. WHY AM IT BEING HELD UP?

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