BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My now ex husband refinanced our home multiple times without my knowledge. The lender sees nothing wrong. Well, what Wells Fargo has on file doesnt even match what XXXX XXXX has on record. My now ex husband refinanced in XX/XX/XXXX, somehow taking my name off the loan? Getting a whole new loan? How is this possible without me even knowing? He did a modification in XXXX of XXXX. The records XXXX XXXX has show us supposedly signing in front of a notary on XXXX XXXX. I was in XXXX! I spoke with the notary and she denied notarizing the loan, until she was contacted by the detective for the sheriffs department. She told him I signed in front of her. That is a lie, and I had the proof to show him. He didnt care to see anything I had. The notary said I signed in front of her so the investigation was at a stand still? Wells Fargo sent me a copy of the same modification. Not only did they have a totally different notary on their papers, but, she signed and notarized on XX/XX/XXXX, and XXXX XXXX and I supposedly signed on XX/XX/XXXX. Wells Fargo sees nothing wrong with just that? 
They are trying to assume 0 responsibility for all of this because they no longer have the Loan? Well, they are the ones that helped cause this nightmare I am now living! I cant do anything because nobody will talk to me as Im not on the loan!!! He borrowed against my home in XXXX of XXXX. While we were going through the divorce. I was and still am living in my home. 
The deed shows my house is in XXXX XXXX XXXX? No, no its not. Its in XXXX XXXX, and that whole deed is nothing more then a scam anyways. I blame Wells Fargo for this mess. For letting him borrow borrow borrow without me even knowing. I am on the deed and the title and the original note from XXXX of XXXX. As far as Im concerned, this is mortgage fraud at its finest. I feel I have been discriminated against because Im a woman. So naturally I must be overreacting? No, no Im not. I am reacting. There should be consequences for this sort of thing. I have been fighting a battle to keep my home, all because of an incompetent lender.

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
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 Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
T

here's 4 collections on my XXXX  Credit Report from Portfolio Recovery Associates I requested proof of those 4 accounts none was sent. I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however XXXX  is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2021, I just received a notice that I was charged a late charge. I paid a {$500.00} payment on XX/XX/2021 and the payment was not due until XX/XX/2021. This is not right and I owe no late charge. 

This charge is through Capital One. 

Will you please help me? 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: Ray Klein, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-07-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Nine charges to my credit card are fraudulent. The company ( Citibank ) has not removed them, and meanwhile has billed me, with interest. The charges are being " investigated, '' but whether that's true or not, I have no idea. I've talked to their customer service, but that's worthless. I have not been in California in three decades, the card has always been in my possession, and no one else is authorized to use it. Card is locked presently, and the account will probably be closed by me when this is resolved. 

The charges : XX/XX/XXXX XXXX XXXX  XXXX CA {$10.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$30.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$95.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$27.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$31.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$62.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$80.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$46.00}

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 2023-03-17
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2021-07-31
Company: Bread Financial 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:
HELLO CFPB, IN XXXX I GOT A VICTORIA SECRET CARD AND IN XXXX IT WAS COMPRISE SO THEY SEND ME A NEW CARD WHICH I NEVER GOT. AS OF TODAY I STILL HAVE THE OLD CARD. VS TOLD ME TO THROW IT AWAY BUT I STILL HAVE IT. THE OTHER DAY I TRY TO USE IT FOR {$40.00} AND THE LADY AT THE VS STORE SAID IT WAS BEING DENY. NO TRANSACTION AT ALL. NOW ON ON MY CREDIT REPORT VS HAS REPORTED ME {$40.00} PAST DUE AND I HAVE NO CLUE WHAT THAT IS ABOUT AT ALL. 

OLD CARD # XXXX NEW CARD # N/A

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company 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 2022-12-09
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:
I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-24
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent Experian a credit report dispute concerning their file number XXXX dated XX/XX/2022 which disputed information contained in this report. My dispute letter was dated XX/XX/2022. They did not respond within 30 days with any corrections as required by ( FCRA ), 15 USC section 1681i.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Transunion has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute a collection, MRS BPO LLC for {$81.00} on XXXX I have never heard of this company or spoken to them. 

The company that I did speak to about this debt was back in XXXX XXXX XXXX The company was XXXX XXXX XXXX XXXX said the debt was from XXXX XXXX 

I communicated with XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify the debt and provide proof of any monies owed by way of a statement or unpaid bill. I contacted XXXX twice after the initial discussion as follow up but never received the information requested. 

The next time I saw the debt was today on my credit report under the name of MRS BPO LLC. I have not received any verification or documented proof that this is a debt I am contractually and legally responsible to pay. In fact, I have every reason to believe it is not. 

I am disputing this debt. Further, If XXXX can not provide contractual and legal proof of this debt, I am requesting that this derogatory item be immediately removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00}

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 2023-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a rental scam. I asked to send money for the rental agreement via XXXX got the key moved in only to have to move out the next day. The day I moved in and found out I had been scammed I got a police report and notified my bank. My bank says that I willing sent the money which is true, but I willingly sent the money thinking I had a place to live. Now I am homeless.

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