BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: NY
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:
I have home mortgage with XXXX XXXX loan number # xxxx currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XXXX of 2021 and next payment is due on XXXX XXXX.yet again XXXX  reported to experience credit agency that I mortgage balance is high now .My bank altered me that XXXX  XXXX home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them XXXX  XXXX, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.

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 2021-09-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our family has been hit hard tremendously by XXXX XXXX. We have XXXX XXXX who had XXXX and one was in and out of the XXXX  and XXXX suffered long term long damage. In XXXX of 2021 my XXXX and I both XXXX  XXXX  with in a week of each other and we're hospitalized. I XXXX  my job ( a job that has still not reopened and had to take a job for a quarter of the pay ). I have sent my application for assistance in 2 times. Each time wells Fargo XXXX XXXX me applications I returned all my paperwork in the enclosed envelopes. The first time being told they didn't have it and you're do it. I did the paperwork again. Only for them to send our mortgage to a foreclosure attorney. The reason being is while we were on a deferral the mortgage " matured '' and we'd have to pay over XXXX dollars in a lump sum. Why would you continue to defer a mortgage and not notify us that by doing this and the mortgage maturing a large lump sum of money would be due. Since not hearing anything from Wells Fargo I have since applied for state help. Which Governor XXXX just opened up to the public on XX/XX/XXXX. How can you foreclose when the state I live in just started the application process for funds to be applied for for help?? Which my family is absolutely a candidate for as we are a family of 4 who earns way under XXXX dollars which is the amount needed to quality. If wells Fargo team our tax records which they requested they would see this. See we had a huge drop in income from previous years.

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 2021-03-31
Company: General Collection Co.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
General Collections has been taking the same amount of payments out of my account every Monday as agreed upon. Today I received a notification that the payment did not go through as they were not using the correct CV code the notification also came up right after that one a payment for double that amount that came back as insufficient. I only use this account to make that payment once a week and I only keep enough to make that payment weekly in that account. When I seen XXXX was attempted 20 minutes after they tried to take a XXXX dollar payment out, I had called and asked why they thought this was ok, they proceeded to tell me that a new person was running the payments it was just a clerical error however, if they tried for XXXX and turned around and tried for XXXX that would not be a clerical error. she had no response back. I don't find this to be trust worthy nor ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Finance of America Holdings LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
As a consumer of Finance of America Reverse I understand it is my obligation to maintain my home in good condition. XXXX XXXX of XX/XX/XXXX caused extreme damage through flooding. To prevent mold wet drywall had to be removed immediately. 

Unable to get response from general contractors to work on my thousand-square-foot, XXXX home, with the help of my family and friends the house was dried out in time. Work repairing damage continued with me as homeowner acting as my own general contractor with tremendous help from my family. 

A flood claim was filed, {$20000.00} advance was received from FEMA within days. The endorsed check was sent to Finance of America where funds were withheld for weeks.

Denied the use of the {$20000.00} advance in making repairs, I borrowed on my mortgage, thereby incurring interest and fees. And I continued to borrow as repair expenses mounted.

The balance of claim {$74000.00} was sent by FEMA to me XX/XX/XXXX. I sent the endorsed check to Finance of America. Scanned receipts of expenses in two batches totaling over {$60000.00} have been sent to Finance of America. Two days ago I received release of funds {$27000.00}, {$47000.00} being withheld.

In my obligation to maintain my home in good repair, I have had to borrow thousands, after having paid for flood insurance, my claim having been honored by FEMA, incurring interest and fees while Finance of America keeps my funds. They have made it extremely difficult for me to maintain my home in good repair. 

This is unfair business practice, an undue burden, adding unnecessary stress in a catastrophe. In the case of reverse mortgages, reasonable to assume users are elderly and therefore even more burdensome. This practice should not be allowed.

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 2022-04-15
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:
In accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated 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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2021-01-15
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record. Erase this on my report as it truly influences my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
on XXXX XXXX XXXXXXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXXXXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
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:
Experian neglected to sufficiently investigate the errors being reported on my credit report. 
I do not have an account with XXXX XXXX XXXX. 
XXXX XXXX XXXX account has been reported without providing documentation showing the true and correct information. I do not see any correct information for this account, No balance history, no payment history, missing data, Experian claims this account was opened over 7 years ago which also puts this account in violation of satute of limitiations of collection and reporting. Experian claims this account was opened 2017, then experian should supply/provide the documentation proving this account to show such or delete immediately from profile. Experian neglected to report this account full details, Highest balance data is missing ( provide this information or delete this account immediately ), First date of delinquency is not being reported also, when was the first and last date of delinquency. ( provide this information or delete immediately ), This account is also being reported repeatedly every month as a collection, this is a violation of fcra laws. What was the amount last paid and what was the payment date for that. Being that the payment history is missing lots of important data, Experian provide this or delete the account immediately. This account is listed as an collection account, why is experian reporting a past due amount on a collection account? This is in fact Illegal to report negative and false information that harms the consumer. Experian has neglected and caused harm by conducting illegal reporting and sharign of my data and I demand to have this national credit account deleted from my profile immediately. XXXX XXXX is not the original creditor but also neglected to notify me of such account and both national credit and creditor claim to not have any information on this account so why does experian report negative and false information.

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 2021-01-18
Company: Experian Information Solutions Inc.
State: NY
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:
I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX balance. But as you will see in the documentation they went ahead and XXXX out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.

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