BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX XXXX  my previous credit history. I did not work for XXXX months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.

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: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BAC directed us to contact the assigned customer relationship manager ( CRM ) XXXX XXXX, at XXXX, extension XXXX, in order to initiate a short sale review. 

We have called several times and left several voicemails both for XXXX and her manager. Neither XXXX nor her manager will call us back. 

****No one at BAC will follow the direction of their own Resolution Specialist, XXXX XXXX from their Regulatory Complaints department. **** -- -see attached from XXXX XXXX XXXX 

THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX XXXX my previous credit history. I did not work for XXXX months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.

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 2018-08-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we refinanced our mortgage and paid off our Wells Fargo mortgage. Also, the property taxes, in the amount of {$4300.00} was paid in full. When my wife and I returned home there was a mortgage statement, which indicated that another payment in the amount of {$2400.00} had been taken out as an automatic draft ( that had already been paid with the refi ) and Wells Fargo had taken out property taxes from escrow. 
I called WF 2 weeks ago to ask when we would receive our escrow and extra payment refund, and they indicated by XX/XX/XXXX. Since today is XX/XX/XXXX, I called today to see why we haven't received it. They indicated that it was mailed XX/XX/XXXX and it would take 7-10 business days to arrive. The amount was {$2400.00}. That seems low, but I didn't give the rep a chance to explain. 
In addition, I found that XXXX XXXX received the taxes from WF AFTER the refi,  and that they would be refunding that to WF in the next 30 days. Based on the escrow payment, we should receive our refund of taxes in XX/XX/XXXX, two months after the refi. 
It is apparent that Wells Fargo is taking advantage of the float as long as possible.

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account and a credit card with Bank of America in XXXX. Around in XXXX XXXX there was some random XXXX cards showed up in my mobile banking which has out standing balance of {$1100.00} and XXXX more with {$800.00} as discrepancy. I called Bank of America customer care raised complaints, raised complaints to fraud department for XXXX years, still I see those XXXX accounts attached to my account and now I was told that I am responsible for those account after XXXX years of continuous complaints which they promised to take care of. 
These accounts were fetched in my background check for my job and raised as concern to offer me job at a esteemed financial sector company. I have all the emails regarding the discrepancy. 
Now I'm not even able to access my accounts online I will get " sorry there is a problem accessing your account '' when I call the bank and they reset my ID and password it work for couple weeks and again I loose my online access. I had to reset my account XXXX 's of times and still the problem is not fixed. 
This is being a problem since XXXX which is never resolved.

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 2021-08-17
Company: V and H Portfolio
State: TN
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting incorrect information on my consumer report as of XXXX XXXX XXXX  Credit Card is reporting 121 % utilization when that is inaccurate information and false information. As a reporting agency it is your responsibility to report on behalf of a consumers consumer report that shows information to be true and accurate. 

The card is current and in good standing as of XXXX I called XXXX XXXX on XXXX XXXX XXXX to verify if the account was over utilization. In fact it was not. Please update my consumer report to reflect good standing with this account immediately. 

I also filed a dispute with TransUnion via XXXX XXXX to get this information reported accurately and correctly.

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 2021-12-27
Company: EQUIFAX, INC.
State: GA
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 this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2021 {$540.00} a month company repossessed the vehicle I want to pay the past due but company wants the full pay off. I was never notified of any repossession didn't receive letter or any type of notification. Repossession company when on my property without my permission and police was not notify

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To EXPERIAN XXXX XXXX : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has sent me updates credit reports stating the account in question was reporting accurate, how can that be when they did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : 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 non-monetary relief
Consumer complaint received 2018-08-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number they are calling at XXXX is a work number and I have identified it as such. They call two or three times daily and they alternate from work phone to personal phone. It is becoming insane and I am involved with debt management and they are aware and asked me to file a complaint. 


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 2019-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not allow me to unfreeze my credit report online. The mail-in process is not helpful because my ability to secure housing depends on this report being accessible. 

I have successfully lifted the freeze at the other two major credit reporting bureaus, but the identity verification process has repeatedly returned a screen saying my request can not be honored and that I have to mail in a request. 

Additionally, efforts to retrieve my PIN were met with similar refusals to honor the request. I am NOT posing as anyone and would be HAPPY to answer more rigorous identity confirmation questions. I also can electronically provide the proof they request. 

Mailing is not an option for me given the timeframe in which I need resolution.

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 2021-07-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I went to the Wells Fargo Branch in XXXX XXXX XXXX on XXXX XXXX in XXXX Virginia around XXXX XXXX  to make a deposit at the drive through window. I had 3 checks 2 for {$450.00} and 1 for {$270.00}. This totaled {$1100.00}. I was informed by the teller at cash box 10 that the system was down and my funds would be availble on the next business day which was XX/XX/2021. On XX/XX/XXXX, I checked my account and determined the funds were not available, I then went to the branch and spoke with the Service Manager by the name of XXXX and was informed that all checks were sent by a carrier on XX/XX/2021, and they had to be manully posted. XXXX then informed me the funds would be available on either late Friday or early Saturday. Checking my account on Saturday the funds were not available again. I also contacted Wells Fargo Advocay Group filed a case and I never heard from anyone in their office. Long story short I contacted my investment compant they stopped payment on the checks and resent new checks. Finally Wells Fargo put the funds in my account on XXXX XX/XX/2021, after the funds were stopped. They charged a fee and I was very upset that I never heard from anyone during this ordeal. Wells Fargo said they would backdate the checks to the date they should have posted which did not sound appropriate. I am sure other people were impacted however ; it should not have taken Wells Fargo almost a week to resolve this issue and it is unaccpetable. Wells must review their process so that in the future if this same issue occurs impacting customers, it should not take a week to resolve. Temporary credit should have been given to customers while the issue was investigated and resolved. Customers were inconvenienced.

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