BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Dear Sir/Madam, I am writing to you to lodge a formal complaint against XXXX XXXX XXXX regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting.

c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices.

I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me numerous overdraft fees and eventually closed my account, and I know many of these fees were just added on there, there was an incredible amount owed, it really just didnt even seem 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 2022-12-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts, XXXX  XXXX XXXX  XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Webcollex, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They call everyday at a number that waa not given to them and third party about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: National Credit Systems,Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
National credit systems contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX  which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Bank 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 consumer reporting agency can not furnish a account with 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 2022-03-18
Company: EQUIFAX, INC.
State: MD
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 been calling extensively trying to remove a fraudulent collection account from my Equifax credit report for the past 50 days. FCRA law states that the credit reporting agencies have up to 30 days ( at most, 45 ) to respond to any information, correct or incorrect, that is submitted to them. 

The account in question is from an agency known as XXXX XXXX XXXX. XXXX XXXX XXXX has already confirmed that the debt does NOT belong to me, and therefore must be removed from my credit reports. After speaking with the company on the phone, they informed me that they formally submitted this removal request on their behalf, back on XX/XX/2022. 

Both XXXX and XXXX have each been prompt in removing the account within 15 days... however, nearly 50 days later, Equifax still has yet to remove the account in question, and I have frankly reached the end of my patience on this matter. 

The fraudulent account information is as follows, and is also attached in the documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was awarded my home in XXXX, Pennsylvania per XXXX XXXX judgement during pandemic.Under an Order Of Protection my XXXX XXXX  gave my home away in a Non Asset XXXX XXXX  Bankruptcy scheme. I thought I was in forbearance. 
The Wells FargoXXXXXXXX XXXX XXXX lawyers had him in Federal court while deliberately trying to get me to sign over said property in Civic court threatening me if I did not comply. They said the conciliation process was being scheduled and I better do what they say In XXXX XXXX they had already scheduled a XXXX meeting I was not a part of. 
I had a Conventional mortgage that had XXXX XXXX documents attached. A huge balloon loan, XXXX down fraudulent HUD paperwork with XXXX  husbands name/place of employment with my social security number. If it cant get any worse I learned my mortgage brokers were indicted in XXXX in same Federal Court that is flipping my house for Mortgage Fraud! Per FBI mortgage task force. 
My phone was hacked/SIM card stolen..XXXX Police refused to take report and did not send anything to States Attorney. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The investor and XXXX  XXXX XXXX got indicted as well. I found out the house was a Prefabricated home that had flooded previously and been moved on a lot loaded with rXXXX XXXX XXXX 
The house was bought in XXXX. The loan never closed found old XXXX XXXX. 
Because of this I lost my vehicle, memories of adult children/grandchildrenI havent any family members as XXXX on my own. I XXXX XXXX XXXX XXXX XXXX. This was the only home I ever had. 
And to discover that it was all based on lies for others to profit I havent any words.

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 2022-12-23
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: Account status incorrect

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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 2022-12-23
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. LVNV TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY XXXX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I began to work on my credit since the beginning of the year, all the other credit bureaus are up to date, they all let me actually have ahold of my information regarding my credit. Except equifax, I tried talking to various and I do mean various different agents and none of them are of help. lol they say is try again in 24 hours. And they ask for so much of my information and still no help at all. Doesnt seem very fair to me that I cant get ahold of my very own information that Im working so hard for. I cant even buy a home because it just says I have no credit available. Theyre systems have been down for years now, I feel like its super important for them to really help us. If other credit bureaus are then so should they. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. XXXX TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY EQUIFAX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my loan and sent all the papers requested and the company just stop communicating and never processed the loan nor would tell me why got all my person information conducted and appraisal, two visited Got tired of waiting so went to another company and got it done still nothing freedom mortgage.

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 2018-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I Am Having a Problem with a Fraud Checking Account That Was Open With Capital One 360 there was a Checking Account that Was Open without My Permission and is Still Showing on My Capital One User Name And Has Not Been Removed i Contacted Capital One 360 Customer Service And They Told Me The Account Was Already Closed But is Still not Closed on my My Online ID And Has Not Been Deleted From My Capital One Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had several loan modifications Wrongfully cancelled by Carrington Mortgager. I am filing this complaint to have their Loan Modification practices investigated and have my loan modification reinstated. 

I am a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran. My father and I have had a lot of health issues and XXXX. We have been working extremely hard to be able to keep our home. Carrington has made it incredibly difficult and stressful to be able to save our home. They keep changing their requirements like they did for Loan Modification they approved XX/XX/XXXX and the one they wrongfully cancelled XX/XX/XXXX. 

I was approved for a trial Loan Modification XX/XX/XXXX with payments of XXXX XXXX, XXXX and XX/XX/XXXX. I completed payments and was sent paperwork to finalize loan modification on XX/XX/XXXX. They requested for the paperwork signed and notarized back by XX/XX/XXXX ( less than 7 working days. ) I got paperwork signed, notarized and sent by Fri  XX/XX/XXXX via XXXX XXXX. Tracking number XXXX. It arrived on XX/XX/XXXX and Carrington Mortgage did not receive the package because they were CLOSED due to it being XXXX XXXX Holiday. I got notice that the loan modification was cancelled due to them not receiving signed and notarized paperwork on time. I filed a dispute and showed the XXXX  dates along with it saying they were closed on XX/XX/XXXX so the paperwork could not be delivered. They still denied continuing my loan modification. My 3 payments have not been accounted for even though I have requested a detailed statement about where they are. 

They initiated foreclosure procedures again and said I would have to start the loan modification process all over again. I filed loan new loan modification paperwork XX/XX/XXXX. I then received notice dated XX/XX/XXXX that the modification had been cancelled at my request or that I no longer wished to keep my home. Both of these statements are false. I DID NOT cancel loan modification. I still want to SAVE my HOME. I made no such cancellation and them cancelling it without my knowledge or consent is illegal. 

I filed an FHA/HUD case number XXXX and was advised my ex husbands signature would not be required with the documentation provided. I included this information in loan modification request. My ex husband keeps maliciously trying to stop my loan modification when he has no say in the matter as shown by the paperwork provided. 

Documents included in the loan modification application that renders my ex husbands signature not required are included in attachments. 
1 ) Separation agreement 2 ) Separation addendum 3 ) Final Divorce decree 4 ) Signed Deed of Gift my ex husband signed 5 ) Recorded Deed ( with my name only ) 6 ) First Loan Modification done by XXXX XXXX XXXX  XXXX I am including Loan Modification paperwork, XXXX paperwork, Trial loan modification paperwork and HUD/FHA case information. Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation