BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 


XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : The reported balance of {$420.00} is incorrect. I remember the amount to be lower. I request the deletion of the Past Due information as this account is closed and charged-off. I also ask Experian to mark this account as disputed to prevent any negative impact on my credit score. 
XXXX Account XXXX : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported balance of {$3700.00} is inaccurate. I recall the amount to be lower. I urge Experian to revise the Past Due information as it is incorrect to present a Past Due amount for a closed and charged-off account. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor to address this incorrect data. I request Experian to mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : The reported information about the account balance of {$24000.00} is inaccurate. The original creditor for this account is XXXX XXXX XXXX not the company Experian indicates. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXXXXXX XXXX XXXXXXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported balance of {$520.00} for the account is inflated and inaccurate. I am aware that the original creditor is XXXXXXXX XXXX but I have not been contacted by XXXX XXXX XXXX. I do not recognize this amount, and I believe I owe a lower sum. Due to these inaccuracies, I dispute the entire account and insist on the verification of the Date Opened and Date of First Delinquency.

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 2021-03-09
Company: Rocket Mortgage, LLC
State: KS
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:
On XXXX I received a call from Quicken Loans at around XXXX XXXX. I was in an appointment in did not answer. The person left a message with just their name and phone number no other information I didn't call back as I was in a meeting 10 minutes later I received a second call from quicken loans. I answered the call because they are my current mortgage company and I was concerned there might be an issue instead I was bombarded by questions from a sales rap at which point in time I ended my conversation with him stating I didn't have time and I was an appointment .Later that evening I spoke to my husband to find out that in between those 2 calls the man called my husband twice as well. My husband informed me that in his conversation he told the gentleman he would have to speak with me about any refinancing and that he was going to send my husband attacks with the details My husband didn't get that text. Add around XXXX o'clock that evening I received an email stating that my credit had been ran I went to see who had made an inquiry and was shocked to see that it was quicken loans. Upon getting this information I called quicken loans immediately to dispute this and spoke to 5 people during this time. The manager stated he had to investigate and listen to the recordings. He spoke to both me and my husband that night. The next day I received an email from the sales rap stating that my next step was to have my credit report ranAnd that this was an easy step in the process. I immediately forwarded this email to quicken loans complaint department who added the manager I spoke to on Friday evening. I received another email from the sales rep on Sunday and then on Monday of which I forwarded these to the manager. At no time did my husband or I state that we were interested in refinancing or give permission to have our credit ram. I have filed a complaint with XXXX CO which is who they used to have the credit ran I have filed a complaint with XXXX XXXX And experienced. I am concerned with the practicesOf quicken loans they do not appear to care about their current customers and only are interested In new sales. What they did here reminds me of the reports I saw in regards to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in my house since XX/XX/XXXX purchase {$340000.00}. My princpal loan should be lower by now but my mortgage was a predatory morgage sold to me by Wells Fargo. The initial loan term was 6.75 % 30 years fixed interest only. Because the loan was predatory, we defaulted in the time of recession. When i requested for loan modification on the loan on or about XX/XX/XXXX, Wells Fargo Charged me interest of {$19000.00}, before modifying my loan. While other banks forgave debt. What Wells Fargo did to my family is causing undue fininacial hardship and the bulk of my loan is left to be paid. Although we are far advance on the 30years payment we still have high principal balance {$270000.00}. What Wells Fargo did to us is unfair and predatory. Therefore, we demand that Wells Fargo pay us back {$19000.00} with interest for selling to us predatory mortgage and we request debt forgiveness. Predatory loan mortages is a crime and should be banned from American. 

Thank you

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. 

Fact 1 : They forged my signature on several documents including the promissory note. 

Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. 

Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. 

Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. 

For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. 

In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was computer hacked. The hackers took {$5000.00} from my personal checking in the form of a purchase charge from a company I've never heard of. The same day Wells Fargo authorized a {$1000.00} XXXX transfer to someone I have never heard of. WF refunded me the {$5000.00} as they could apparently verify that this was an illegal transfer. However, they refuse to return my remaining {$1000.00}. The required me to fax any documents to support my claim of being hacked, so I spent {$12.00} at XXXX faxing copies of my XXXX, XXXX, XXXX... etc accounts that were shut down and needed to be reset. Not only did they deny my appeal, but they never contacted me to ask what happened or tracked down who the money went to. They simply don't care. I work very hard for my money and apparently Wells Fargo does not. This was 100 % fraud and they refuse to resolve the issue. There is a hole in their XXXX system and in their investigating practices. I am Outraged!

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 monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2021 Portfolio Recovery Associates LLC apparently purchased my debt from XXXX  XXXX. This company has attained my personal information without my written consent which is a violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$1600.00} ; XXXX, XXXX. XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX, XXXX XXXX  Inquired on XX/XX/2021.

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX  ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of  unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). 
XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX  ) and Person ( NATIONAL CREDIT SYSTEMS )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Name XXXX XXXX XXXX XXXX XXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/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 2023-05-25
Company: Experian Information Solutions 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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I sent a letter regarding the accounts on my credit report that were obtained illegally and unlawfully. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the Equifax data breach and could have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation