BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We opened an educational savings accounts for our children at Bank of the West in XXXX, New Mexico. We receive periodic statements. One my son 's is getting ready to go to college so I was accessing the accounts on line and found that my younger son had an account that was missing. I dug through all the old statements and found a statement that had been sent with all the other statements ( XXXX savings accounts in total ) that looked like every other statement but was titled " abandoned account ''. There is no number or email to contact but in small print it states that " the assets in your account will be turned over to the state of your last known address pursuant to the Abandoned Property Law, if you do not contact us. '' This was sent regular mail and identical to all the other statements. I have left two messages for our investment advisor, have gone to the bank in person, I have called Bank of the West customer service for investments two times and was hung up on both times, I have sent an email to the customer service email and I have sent an email to all the investment people at the Bank of the West in XXXX. I have received no response. I also checked the unclaimed property website in NM and found this account was not there. The money is missing and no one from the bank will respond.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: TN
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:
On my credit report a public record labeled " XXXX XXXX XXXX  TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report 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 2023-03-09
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payment on XX/XX/2022 was paid but then immediately reversed by the company Mr. Cooper. There was no communication sent to us regarding the reversal, in fact we only received email verification that our payment was posted. The next communication we received was on XX/XX/XXXX that our mortgage was in default but it was a message in their portal that we receive for every statement so assumed it was that. 

We paid it on XX/XX/XXXX thinking it was simply our XXXX payment. In XXXX, we realized that we were, in fact, behind a month on our mortgage. However, even so, our XXXX and XXXX payments were still made within 30 days, but we did pay late fees. 

We are currently trying to refinance our mortgage and in the final steps of the process were informed that a late payment was going to be on our credit report. I saw the payment and reversal on Mr. Cooper 's site with the payment activity. I called Customer Service and they informed me that in XXXX of 2022 they had a crash of their payment system and many customers had similar issues and some payments were reversed and the reason given was insufficient funds- which was inaccurate. 

I filed a formal request for the company to rectify this issue and have it removed from our credit report. But, the customer service department told me they were unable to submit anything to me in writing regarding their mistake and the research department that has the formal ticket has not responded to multiple emails from me. 

We are supposed to close on our refinance tomorrow and now have to wait for Mr. Cooper to confirm, in writing, that they made the mistake and will rectify it. Or, have our credited re-pulled, with the late payment on it, and likely have a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called by an individual calling himself " XXXX '' with XXXX XXXX. He claimed that I was past due on my final electric payment from my previous residence from a year ago and I would have to pay my balance and fees to XXXX. The number he called with was the XXXX customer service number. 

The total he said was {$300.00} He directed me to pay " XXXX XXXX '' via Zelle. The name and number that came up for " XXXX XXXX '' was XXXX and the number was XXXX After I sent the amount, he got very pushy and was requesting that I send another quantity, which I then realized what was happening. I hung up, he tried to call back multiple times using the actual XXXX XXXX customer service line. When I called the number back and got XXXX on the line, they confirmed that it was in fact a scam, and that I did not owe any amount of money to the company. 

I called my bank, XXXX, and filed a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.

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 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that the XXXX accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX  : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX  : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX  : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL ONE AUTO FINANCE ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ONE BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX used unallowed tactics to drive up late fees and reinstatement fees for several months. 
We do not owe XXXX XXXX anything, they owe us {$250.00}. They used a fraud tactic to produce these false charges. The account was on automatic monthly pay by credit card, but the last few months before cancelling XXXX XXXX, the company began dropping our automatic payment, leavening late fees and reconnection fee. Each time I contacted to inquire about the issue they had the credit card on file still and promised to remove the charges but instead began charging the credit card for the late fees. The fees were disputed and each time they promised to reverse them. They began calling me at all hours of the night. Started not paying the fees and that is what they are pursuing, the illegitimate fees charges thru what I believe is fraud tactics. Have found other customers that the same tactic was being applied. Several credit agencies have tried to collect, but request cease and desist and relayed the issue. Each agency never contacted me again. This is now harassment and purposely destroying my credit. 
Is there no solution available to stop XXXX XXXX from harassing me? I am elderly and XXXX on limited income and feel it is becoming elderly abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In a dispute letter dated XX/XX/2022 to Experian I requested personal information be corrected, including : Spelling my hyphenated last name correctly; deleting eight misspelled names listed on my credit report ; deleting an incorrect address ; and deleting an incorrect telephone number. I provided a copy of my driver 's license and a utility bill showing the correct spelling of my name and correct address. Experian sent several emails to me stating that the results of processing my disputes were available online, but I was unable to access those reports I guess due to computer security. I contacted Experian on XX/XX/2022 and spoke to two representatives ( XXXX and XXXX XXXX. XXXX said he could read me the reports, and I told him that would not provide me any documentation to the results of Experian '' s processing of my disputes. I quoted the section entitled " Contacting Us '' in Experian 's Terms and Conditions : " If you dispute information and receive notice that your results are ready for viewing, but you are unable to view the results of the dispute process online, we will mail them to you. '' I asked XXXX to follow these Terms & Conditions and mail me copies of Report # XXXX and Report # XXXX and he said could not mail them to me. Then I was disconnected. I called Experian again and repeated the same information to XXXX. He said he could read me the reports, which again wouldn't not provide me documentation of the results of Experian 's dispute processing. He would not follow the Experian Terms and Conditions and mail me copies of the two reports ( # XXXX 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 non-monetary relief
Consumer complaint received 2022-12-04
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 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX in XXXX, Texas and it was financed through Wells Fargo. Several months into my loan Wells Fargo lied about my payments saying that I was not entitled to the skip a payments as an option if I ever needed it because I missed payments, which wasn't true because it was in my contract, plus I told them my bank verified all my payments as paid.They did not apply my payments correctly including my gap insurance, then they came and took my truck within the same year later saying I did not make my payments, again which wasn't true, then Wells Fargo sold my truck then sent me a bill for about {$19000.00} saying I owed them. Then with Wells Fargo doing that they damaged my credit by their actions, which kept me from renting an apartment. 
I spoke to Wells Fargo by phone, and they kept insisting I had a week to come up with the balance if I wanted my truck back which at the time was about {$23000.00} I told them they where not honoring the contract ethically and the woman from Well Fargo insisted I did not keep up my end on the contract and hung up on me. Then about 2-3 weeks later is when I received the letter from them from a XXXX XXXX XXXXXXXX telling me I owed them {$19000.00}. Then they reported their bad, unethical practices to the credit bureaus blaming me for what they did, and as I mentioned it kept me from being able to rent an apartment. I have moved a few times with friends but I can give you my DL # or my SS #, there is one other option where I may be able to track down the loan or account number but I will need about a week or two to get it for you. 

I thought there was nothing I could do until the CFPB uncovered their illegal practices. I am SO GLAD YOU UNCOVERED THEIR LIES AND CORRUPTION!! and the damage they have done to millions of people!! 
Thank you CFPB

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 2023-11-14
Company: EQUIFAX, INC.
State: GA
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:
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 : XXXXXXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX XXXX, XXXX XXXX digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXXand GAP insurance took a while to pay theirs which was the balance of about {$5100.00}, and Hyundai reported it as a missed payments XXXX times. GAP insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
Hyundai has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when HYUNDAI told me to stop all payments the moment my car was totaled. That was a XXXX way call between me, my insurance agent and Hyundai finance representative.

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 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
An inquiry from Capital One has appeared on my Credit Report once again and I haven't applied for credit with them in years. 

XX/XX/2023 I was notified and called XXXX and was told to contact the FTC to file my complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: North Georgia Regional Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX XXXX in XXXX of XXXX that were 100 % covered by the provider due to financial hardship. I never received any bills on these procedures. I moved in XX/XX/XXXX. In XXXX of XXXX, I was called by North Georgia Regional Collections Agency , Inc. saying that I owed on a debt that had been passed to their agency. It was my first time hearing about an unpaid debt from XXXX XXXX. I asked to be sent documentation on the matter. 

I never got that letter. I was called again in XXXX of XXXX by them, and explained I did not get the letter. They mailed it again. I received the letter XXXX of XXXX. There is no itemization of the bill, and nothing documenting my rights as a consumer. I have attempted to call the creditor, and I can not reach them, as all of the numbers listed lead to disconnected numbers. They have not included a professional license number in their communication, and there is no information on disputing/appealing. 

They list the creditor as North Georgia XXXX XXXX, XX/XX/XXXX - {$250.00}. 

This is the first time that I've supposedly had debt sent to a collections agency. I checked my credit reports to see if it was on there, and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

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 2023-11-07
Company: EQUIFAX, INC.
State: NY
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:
On my equifax Credit report theirs is one negative item that's 80 days past due its a fraud account last XXXX XXXX it supposed to be removed from my equifax Credit file I have a federal trade commission identity theft report on and on XXXX  theirs two negative items that supposed to be removed from my XXXX  credit report I have a federal trade commission identity theft report on file and XXXX XXXX theirs is three negative items that supposed to be removed from my XXXX  report

Company response to consumer: Closed with non-monetary relief