BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Below is a letter that I wrote to the collection agency after they provided less than satisfactory, inaccurate and unreferenced verification of debt through the XXXX XXXX after I filed a complaint " I am writing to dispute the validity of the debt referenced in your correspondence dated XX/XX/XXXX. Upon receipt of your validation of debt through the XXXX XXXX I found the information provided to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
1. The original contract from the creditor XXXX XXXX XXXX XXXX  The lease that you uploaded to the portal had expired XX/XX/XXXX, the debt that you are trying to collect from me opened on XXXX  and claims that I moved out on XXXX  I cant be responsible for a debt from a lease that had already been paid in full and expired 2 months prior. 
2. My liability for the {$4200.00} debt. The itemized statement that you uploaded does not have my authorization anywhere on it, I'm not aware of any of the charges on it and I never had an account with the account XXXX XXXX with the original creditor. In addition to this the charges on the itemized statements have no basis. {$2500.00} in charges are referenced as other & the remaining additional charges have no reference as well. 
3. Also the address that the collection agency provided to credit bureaus is inaccurate resulting in 3 letters to address my issues being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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 appreciate your quick action and effectiveness in updating the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Call flagship credit to have them report my payments to the credit bureau spoke with a supervisor and she assured me that she would contact the person who is responsible for reporting to the credit bureau. That was in XXXX and XXXX to no avail they still havent reported to the credit bureau yet. Now Ive paid off the car on the XXXX of XXXX and spoke to a representative who said the info would be reported on the XXXX of XXXX. Now its XXXX XXXX and still it hasnt been reported yet. 
Flagship credit acceptance LLC 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
Consumer complaint received 2023-09-15
Company: TD BANK US HOLDING COMPANY
State: MA
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:
My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 2 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received via United States mail a similar attached letter from Wells Fargo regarding obtaining a personal loan. Wells Fargo 's letter stated that interest rates depends on an applicant 's ( 1 ) credit score and ( 2 ) the amount of money requested ( 5.74 % to 19.00 % ). 
On XX/XX/XXXX I applied for a personal loan of {$3000.00} from Wells Fargo Bank. My credit score in XXXX was XXXX and the amount borrowed was {$3000.00}. I did not know at the time that I had been approved for an interest rate of 13.74 %. I contacted Wells Fargo on Monday, XX/XX/XXXX, and then on the same day with a with follow-up question. I received a standard voicemail that said " they will call me back in half hour at the number on their screen and that I would not loose my place in line. '' I am still waiting in cue. I again contacted Wells Fargo on Wednesday, XX/XX/XXXX at XXXX and was placed on hold with loud music. I hung up and dialed WF and spoke with XXXX in Wells Fargo 's executive office. My follow-up question is " what is the interest rate that is given to an individual with credit score of XXXX who borrowed {$3000.00}. I find WF 's interest rate to be extremely offensive. I believe WF is offering a bait and switch. Please investigate as I believe I have been hoodwinked and overcharged by bad behaving Wells Fargo. Many thanks for your help.

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 2023-03-30
Company: EQUIFAX, INC.
State: TX
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:
Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with XXXX, XXXX and Equifax and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of an escrow shortage of {$350.00} based on review in XX/XX/XXXX. This shortage would only happen if taxes of {$4000.00} were paid in XX/XX/XXXX, rather than in XX/XX/XXXX ( the due date for the taxes is XX/XX/18 ). If Wells Fargo allows my XX/XX/XXXX escrow payment to arrive in my account prior to paying taxes, there will no longer be a shortfall. I spoke with several Wells Fargo reps on XX/XX/18. At first, they tried to argue with me about the due date ( the website for XXXX County clearly shows the due date for taxes is XX/XX/18 ). Then there was a subtle threat that if Wells Fargo waited until XX/XX/XXXX to pay the taxes, they might not get there on time and I would be charged a penalty. I expressed my full confidence that Wells Fargo is capable of getting a tax payment to the county on time between XX/XX/18 and the required postmark date of XX/XX/18. Finally my inquiry was forwarded to corporate. I received a letter dated XX/XX/18 from XXXX XXXX stating that the tax payment for the property would not be made until XX/XX/XXXX, but did not mention adjusting my PITI mortgage payment to no longer collect the shortfall. My XX/XX/XXXX statement is billing me for a total to include a payment toward the shortfall. I called again on XX/XX/18 to request that the payment be adjusted to not collect to cover the now non-existent shortfall. I did not hear back from Wells Fargo by the time of the promised resolution date of XX/XX/18. I called on XX/XX/18 and was informed that I had been sent a letter denying my request to have the payment amount adjusted, but that I can later request a refund. The representative stated that this is because another escrow analysis is not scheduled to be performed immediately. I am asking that Wells Fargo perform the escrow analysis and adjust my payment due to lower it by the amount being charged to cover the now non-existent projected shortfall.

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 2023-12-12
Company: Experian Information Solutions 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX & XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit 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 2023-05-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have an XXXX  that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. 

I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. 
All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Velocity Portfolio Group
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My credit report shows that an account was opened around XX/XX/2019 for the amount of {$920.00} without my consent.

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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX of this year I would use my credit card/no interest bearing to make farm purchases such as fertilizer/seed on sale. It take 2-3 days to post on my account and then within a 2 week period I pay the amount off. TransUnion for the second time this year punished me for using my credit card by lowering my score by XXXX from XXXX to XXXX resulting in receiving an higher interest rate on a pending new equipment purchase which is now on hold. Never late, pay in full early. This act is fraudulent that it punishes me with higher loan rates for wisely using my credit short term on sale items which is cost effective. 
In the past XX/XX/XXXX I filed with the XXXX and TransUnion reversed and added to my score? Same fraudulent act being conducted. Including incorrect credit history period. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2022-06-02
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: Was not notified of investigation status or results

Complaint:
From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit. 

I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar Bank. 

During COVID I took advantage of their program to defer payments. At the end of the program I signed the Partial Claim documents to add the extra lien to my property to repay the deferral when I sell or refinance the property. 

since XXXX did the first set of docs wrong I have to sign the docs again for different amounts. they said it would get recorded correctly, it didn't. 

in XXXX i attempted to get a HELOC to make some improvements to my home and pay down some debt. 

at that time it was discovered that XXXX placed 2 additional liens on my property. I have been fighting to get these removed for several weeks. I am unable to get to someone within XXXX that can help me and when I do they do not follow through or return my calls for assistance. 

this process is wrongly costing me money and time that I should not have to spend trying to correct their incorrect handling of this program I would also assume that I am not the only one that this has happened to.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 The aforementioned accounts 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

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 2023-05-17
Company: Conduent Incorporated
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a claim of fraud on the phone with " XXXX XXXX XXXX '' after detecting money being taken from my account out of state. I sent in every transaction that wasn't mine with dates on a form they mailed me. They just sent mail saying it was denied they don't believe it was fraud. I'm trying to take the next step in disputing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: FL
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 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 any purpose.

Company response to consumer: Closed with monetary relief