BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2016, Wells Fargo dealer services put on our credit report that we owe them {$10000.00} and wrote it off the reason for the collection, was because they refused to work with us to catch up on the payments after I was hospitalized. We agreed to have them pick up vehicle, before they picked it up I had my mechanic inspect it from top to bottom to make sure everything was in perfect working order and there was no damage to the vehicle. They then called my insurance company a week later and tried to make a claim. Telling my insurance company that the rear quarter was destroyed on the vehicle, which was not true and the insurance company refuse to pay because they damage the vehicle. At that point in time when they said they were going to write it off I never expected to see it on my credit report because the damage was done by them and they are responsible at that point. I could not sell the vehicle for a reasonable amount of money because of the damage that was there I believe the law should have been on them not on me. When I tried to dispute it the only thing they did was say that it was correct. No explanation on why it was correct, no explanation on why they did not take responsibility for the damage. And the only thing on my credit report that I put on there was that I disagreed, but I actually gave the whole story to be put on my credit report and they never did that. At this point in time it has destroyed my credit for the last 2 years. And I do believe that wellsfargodealerservices should pay me for the destruction of my credit when it was actually their fault.

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 2023-03-05
Company: Experian Information Solutions 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 account # XXXX, this account is a collections account 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 : Also States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX 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 customer Reporting agency cannfurnish 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 explanation
Consumer complaint received 2021-06-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XXXX XXXX this company has called me at least twice a day everyday despite asking them to stop. This company has called me from multiple numbers several times a day.

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 2018-07-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I submitted an investigation request to Equifax. My husband received his response a couple of weeks ago like he should have, but I have yet to receive anything from Equifax. They were supposed to send me the results within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have been in contact with capital one for some time now. I have tried to resolve this matter over the phone and submitted numerous disputes requesting proper verification of their statements made. I disputed my account with capital one for reporting late payments on my credit report. I disputed these late payments pursuing to 15 U.S. Code 1666b - Timing of payments. These late payments are accounted for " XX/XX/2022 AND XX/XX/2022 '' ( XX/XX/2022 and XX/XX/2022 ). As a valued consumer I have always ensured that my payments are up to date and that I am viewed as a respected consumer. I am Challenging that the bank Capital One failed to mailed or delivered me the consumer my billing cycle no later than 21 days before the payment due date. I requested that they provide proof that they mailed this periodic billing cycle to me proving they adhered to the laws they are set to follow. If they are unable to provide me with proper verification, then I request they remove the erroneous late payments from my account and my credit history. Yet they only replied with a statement saying the reporting is accurate and therefore no changes will be made but failed to provide me with the proof needed to support their claim. I have numerous proof my mailed disputes to Capital One and they have not once proved they acted accordingly in accordance with the law they are obligated to follow. Due to XXXX Ones actions I have been unable to acquire credit and have been denied for and presented with very difficult and unfavorable terms when applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Shellpoint Partners, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Newrez- Shellpoint that says it's a debt collector. I received a letter from Newrez-Shellpoint saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 {$2300.00} XXXX paid a collection agency called innovative Recovery ( XXXX ) XXXX EXT XXXX XXXX XXXX I went from a XXXX XXXX XXXX to a XXXX XXXX XXXX I now have no credit Asking for that information through this agency

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 2023-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint regarding the inaccurate reporting of information by XXXX XXXX ( account number XXXX ), XXXX XXXX XXXXXXXX ( account number XXXX ), and XXXX XXXX XXXX ( account number XXXX ) to the credit bureaus. 

Despite my efforts to rectify this issue, I have not received any response or resolution from these companies. As such, I am now informing you that if a resolution is not reached within the next 30 days, I will seek legal counsel to pursue compensation for each account in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I request that all closed accounts associated with these companies be removed from my credit report as soon as possible. 

I understand that the FCRA provides for damages of up to {$1000.00} per violation, and I will not hesitate to take legal action to pursue these damages if necessary. I believe that it is only fair that I receive compensation for the harm caused by the inaccurate reporting of information, which has negatively impacted my credit score and my ability to obtain credit on reasonable terms. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX in XXXX or XXXX to improve my credit. On XX/XX/2020, my account was credited with a payment of {$290.00}. That left me with a zero balance. However, someone odd happened, that payment took time to show up despite paying the amount directly online. During that period, my account was charged an annual fee which made the account go over balance by {$68.00}. Within days, XXXX reported the account, and my credit dropped about 100 points on both Equifax and XXXX. That negatively impacted my ability to move and find an apartment. Interestingly, that annual fee was removed, so my account should never have gone over. I make timely payments, yet my credit report continues to show the account is overdrawn at {$360.00}. It's over one month, yet XXXX has not corrected an error on their part. My credit reports shows I am overdrawn on my XXXX account even though I am not. It's been over a month and XXXX has not corrected their error. My actual balance is only {$100.00} with a minimum due of {$30.00} due on XX/XX/2020. I spoke with XXXX about a month ago when I noticed the account overdrawn. A representative assured me the problem would be taken care with the adverse effect on my credit report removed within 7-10 days. This was not done. I contacted Equifax and apparently XXXX did not update my account. I contacted XXXX again and another representative said I was given incorrect information that the process took 30 days. It's past 30 days and XXXX did not remove the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges OF {$30.00} I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 

I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Please send me copies of all records relating to the account, including : -Account applications made on paper, online, or by telephone -Account statements or invoices -Records of payment or charge slips -Delivery addresses associated with the account -Records of phone numbers used to activate or access the account -Signatures on applications and accounts -Investigators report -Inform the business where the account was opened that the debt is the result of identity theft -Stop collection activities against me -Stop reporting information about the debt to credit reporting agencies -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft -Provide me with the records I request -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Thank you for your cooperation. 
Sincerely, XXXX Enclosures : -FTCIdentity Theft Report -Proof of identity -Notice to Furnishers of Information Please provide me with the records I request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish 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 explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-03-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For the second time, I have had to send the paperwork to XXXX to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all XXXX credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX XXXX the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as XXXX. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.

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 2020-06-17
Company: BSI Financial Holdings, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are attempting to move mortgage loans from BSI Financial Services to another lender. For over 3 months we have been attempting to get BSI Financial Services to provide payoff information, book and page deed of trust for all of our properties. This information is critical for the the title company closing process. BSI is repeatedly not providing this information to our new lender. We are in danger of losing the financing and the months worth of work spent on this process. They have also charged us excessive late fees. A letter from a our attorney was sent to BSI Financial Services disputing the charges. We attempt to escalate to a manager and no one will talk to us or return our calls. The loans have matured but BSI Financial Services will not allow us to move to another lender. I spend at least 8 hours a week on the phone with BSI trying to resolve this issue. This is bizarre behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief