BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: OpenRoad Lending
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:
open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. 
i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to work with Guild mortgage to find out the true balance of my debt with them after becoming ill and falling behind on my payments I started reading and studying the laws. I had no idea when I signed my mortgage on XX/XX/XXXX that I was signing a blank endorsement or a power of attorney, making them my attorney in fact on my behalf, but after learning some of these laws, I felt very tricked and took advantage of. My understanding of an attorney in fact is that they are supposed to fiduciaries to me the principal. This company has failed to to be fiduciary or have my best interest and has used the power to continue to be misleading for benefit for themselves. Which fall under GA Code 53-7-54 Brech of fiduciary. On XX/XX/XXXX. XXXX, I sent the CFO and the trustee instructions with an endorsed instrument requesting that I rescind my rights in my securities. The CFO nor the Trustee never responded or even took the time to reach out, later in XXXX after I emailed the CFO someone else finally emailed me back and said my instrument which is the same Instrument they are using to collect my payments from is not a legal document and they refused to show me any ledgers or books on my account. I truly believe that this instrument has been satisfied and I no longer owed this debt. I am also supposed to be active with the MERS, which I am not. This company is still signing forms as my attorney in fact, even though I have sent them and their attorney notice that I no longer accept them to have the attorney in Fact and Revoke any attorney of attorney over me. Which violate O.C.G.A. 10-6B-1 through 10-6B-181 They also failed to send me information when I was able to take off my PMI insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.

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 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to Enhanced Recovery Company ( ERC XXXX on XX/XX/2020 and mailed it certified. I tracked the letter and noticed ERC received it on XX/XX/2020. This letter was in reference to a XXXX debt totaling {$1700.00} I finally received a response in XXXX, however, I noticed the correspondence was postmarked on XX/XX/2020. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and 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 2023-04-02
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/20, I submitted a claim for fraudulent activity amount XXXX on my account after I was assured changing my password would solve the problem only the bank never blocked charges from the service the fraudulent activity is from. I'm notified after that is something you have to request. There was no fraud protection for my account. Chime is denying resolve in this issue when I have done everything I can as the cardholder to protect my account. I have made two police reports both submitted to chime. My lawyer is revising next steps to take pressing forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a credit card from Juniper Bank ( Barclays ) for over 10 years - account ending in XXXX. I was cut off from being able to make payments on line. I called repeatedly to get that function reimplemented so I could pay my bill and was told it could not be done. This caused me to fall behind ( it took them two months for them to determine it was not an IT issue but rather company policy ). Additionally, I received a letter in XXXX of XXXX stating that my account was sold to another bank. In XXXX, I was informed that Juniper still held the balance to my account and I was reported late paying as a result. I was than introduced to the possibility of settling. I called multiple times to arrange a settlement and arrived on an agreement which both sides agreeing. I received written confirmation from the credit card in the form of a letter dated XX/XX/XXXX which stated that I had until XX/XX/XXXX to pay the settlement amount of {$2200.00}. Two weeks prior to the deadline ( 2 weeks after the receipt of the letter ), I called the XXXX number to pay the settled account but was referred to a collection agency. I have a letter in writing offereing the agreement- an agreement I am on record accepting, yet immediately after, I am forwarded to a collection agency with them not honoring our written agreement. 

I would like my account removed from collections and our agreed upon settlement amount honored. I have no desire to use the card ( it was closed ) but I would like the derogotory comments removed 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 2020-12-31
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.

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 2022-04-30
Company: Collection Bureau of America Ltd.
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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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. 

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, 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 of 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 2020-10-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Attached is the pre-construction/construction contract for the property owned by XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX, VA XXXX. There was a surplus identified in the Wells Fargo Contract of approximately $ XXXX at this time. However, Wells Fargo only issued a closing check to XXXX XXXX XXXX for approximately {$1200.00}. Therefore, Wells Fargo will have to explain whom the $ XXXX was granted to ; whether it was the builder XXXX  XXXX XXXX XXXX XXXX the Wells Fargo affiliate, or the Trustee, XXXX XXXX XXXX XXXX, XXXX. Further, it can be ascertained that the land ( paid directly to XXXX  XXXX XXXX by XXXX XXXX XXXX by automatic drafts ), structure and septic is paid for. The allowance of {$6500.00} is due. However, the consideration is made that these were estimates and that these amounts were not to exceed {$6500.00} for the well and {$4000.00} for the septic. Either way, the base price of the home has been paid and the credit ( s ) offset the added amenities. This contract does list XXXX XXXX XXXX and is signed by XXXX XXXX XXXX. However, it has always been understood by the language drafted on all documents concerning this property and upon signature of all parties ', that XXXX XXXX XXXX is the sole owner of this property and XXXX XXXX XXXX would be listed on the mortgage, expected to pay and would improve his credit upon paying. However, XXXX XXXX XXXX was even removed from the mortgage in XX/XX/XXXX by a bankruptcy court order. Therefore, again it is not understood why or with whom would this be a concern approximately 15 years later as he was never an owner on this property, did not contribute to paying the mortgage and was taken off the mortgage in XX/XX/XXXX ; with no further association with the property. The surplus will have to be identified as to whom received it. An estimated balance may be due of {$6500.00} for the well but there are no evidence of actual costs. This property known as XXXX XXXX XXXX XXXX, VA XXXX is considered paid in full and belongs solely to XXXX XXXX XXXX as drafted on all historical documents since XXXX. Majority of sites indicate a well and septic currently cost in the year of XXXX, approximately $ XXXX {$4000.00} respectively. The {$15000.00} request made by Wells Fargo Home Mortgage by attorney or otherwise in XXXX was disputed in multiple courts including but not limited to the U.S. Bankruptcy Court.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This the fourth attempt to correct these fraudulent accounts, fraudulent names, and incorrect addresses on 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 2020-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX select portfolio servicing collected {$250000.00} from my proceeds of which they were not entitled. It is now Friday and although it was escalated I have not received my funds. The money was wired to them in one day Monday will be FIVE days theyve had MY money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation