BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2022-10-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-10-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/22 I exited forebearance with XXXX that was to be taken from principal balance and deferred for lump sum at the end of the loan. Instead they left it all in the loan and every month on forebearance added a missed payment to an unpaid delinquent balance. They called and said they were just starting my loan over and payments wouldnt change. Now the have added all the deferred payments that were supposed to be made at the end of the loan again so I now have a XXXX extra balance in the loan because they didnt take out the payments to pay at the end they left them in and added them again telling me my payoff balance is now XXXX. I spoke with a banker he said my principal balance is XXXX and when I asked for a printed payoff he left it out saying they wouldnt waive the XXXX. I am not asking them to waive them I asked they reduce the principal by them and add as they were supposed to at the end of the loan. I have paid interest now on the full balance forebearance payments and all. So they double every payment I was in forbearance on. If you look in the attached documents I highlighted the error. Whether it is someone printing it wrong they now added XXXX to my loan and will not move all the payments out of the loan to the unpaid balance. They left them in the balance and added them again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: LD Holdings Group, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Loan number : XXXX Loan Depot had purchased a lender-placed hazard insurance on my home at _____for exorbitant cost and now Im expected to pay a large sum for it. 
My home owner insurance expired on XX/XX/XXXX of XXXX. At the time I had to deal with some family emergency and I had to travel overseas. Therefore I did not get these notices. Loan Depot then proceeded to buy hazard insurance for my home for the cost of {$5900.00}. I found these notices in XX/XX/XXXX. When I contacted Loan Depot, I was told to submit proof of insurance before you would cancel the policy and I would owe Loan Depot {$2000.00} for the duration of the insurance roughly between XX/XX/XXXX and XX/XX/XXXX. 
This policy is predatory for these reasons : 1 ) It seems to me Loan Depot bought the most expensive policy there is. Theres no accountability on the part of Loan Depot because the money does not come out of Loan Depots account. Not paying would put my home at risk for a foreclosure. Therefore, this action, in effect is forcing my hand to pay an unreasonable sum of money to the benefit of Loan Depot and its associates, whoever this company is that sold this exorbitant policy. 
2 ) I have been a very good customer of Loan Depot. I have always paid my mortgage on time and except for this last incident has never caused any problem with my loan. Yet, Loan Depot did not even take this into consideration before springing into action in order to take advantage of this opportunity to gouge a customer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AZ
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 regarding XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
Again, I was a victim of identity theft and this is another request to block or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
American Express opened the High Yield Savings account and Roth IRA accounts immediately. I connected my other personal bank accounts. I made a deposit via a wire transfer. It was successful. I made a deposit via a check from XXXX XXXX. It was successful. The next day, the check was returned. I received no notification as to why. I then tried to make further deposits to my savings account and Roth. Nothing worked. There was no explanation why. The entire time, American Express sent emails asking me to make deposits. At no point did I receive any information of fraud. Yesterday, I called. It has been 3 weeks with no activity or explanation. I got through security and was transferred to the Fraud Team. Someone named XXXX said he would not tell me what was wrong with my account and that I needed to complete an Affidavit of Identity to gain access to my account. I explained that I would rather close the account. I asked them to return all funds to the original accounts and to reimburse me for the fee to issue a new check. He refused. I asked for proof that I was informed about the fraud on the XXXX of XXXX. He told me that he would send me the email. It has been over 24 hours and I still have not received the email. He also said that American Express called and left voicemail messages. He would not say the date. He lied. I spoke to another supervisor who told me I could email XXXX. That email was returned. She lied, too. I was told the only way to communicate in writing was to send a fax. I have sent over 5 faxes with my name and account number over the past two days. Not a single fax has been connected to my account. Apparently, a person decides which faxes will be actioned. They don't use XXXX. I was told a supervisor within Banking Operations would call me today but that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
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 sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws.

15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE COVID-19 DISASTER AND MY WIFES XXXX  AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE XXXX ACCOUNTS ARE XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. Im waiting for your response, please re-investigate this item. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

Please send me details on how this account was verified. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

XX/XX/XXXXAll above referenced 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 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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with non-monetary relief