BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had got a car from XXXXXXXX XXXX  XXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX of XXXX, and that I Voluntarily surrendered it in XXXX of XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX of XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX of XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, Experian, XXXX and XXXX but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.

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 2023-07-13
Company: EQUIFAX, INC.
State: NC
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 the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Here is a list of credit card charges that I did not make with this bank. 1. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} 2.XX/XX/XXXX XXXX XXXX for {$19.00} 3. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 4. XXXX XXXX  XXXX {$71.00} on XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 6. On XX/XX/XXXX {$1.00} XXXX XXXX XXXX XXXX 7. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX 8. XX/XX/XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX 9. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} 10. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 11. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} 12. And this last one is a transfer of {$2.00}, XXXX what is this about?

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My family sold a home and the buyer took back XXXX XXXX dollars and put it back in escrow. And my mom the seller recently passed but funds were left to me

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 2023-02-13
Company: Experian Information Solutions 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:
Experian XXXX and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611. 

15 USC 1681b- states that any consumer reporting agency XXXX furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. Experian XXXX nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that 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 conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX Experian and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several XXXX violations. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-01-08
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 have a inquiry from XXXX XXXX that was not authorized from me. I have cell service with XXXX  and always had. I have contacted XXXX and they stated they would remove it. It has been over 2 months since I spoke with them and the inquiry still remains. I also contacted the Equifax and no help there. Please advise on what can be done to get this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

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 2022-02-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Listing some of the constitutional rights Mr Cooper has been Violating 1 ) 1024.35 Error resolution procedures. Rule ( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by 2 XXXX early intervention requirements made available for certain borrowers Rule ( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan. 

XX/XX/2021 I sent a email to Mr Cooper asking for accommodations and itemized accounting of all documents submitted on modifications in questions as well as other procedural questions. This was purposely ignored and they sent more than 100 pages via mail of the SAME documents they have been supplying since XX/XX/2021 spits in teh face of my constitutional rights to get to the bottom of errors and clear things up cause I have been truly suffering this entire time and Mr cooper Even sends a copy of the email sent from me in XX/XX/2021 so MR COOPER has the capability to retrieve my emails/documents retroactively ( XXXX!! ) but cant retrieve the very documents that i requested to clear up errors Mr cooper can ONLY read my email when its disrespectful or convenient for them to character sabotage but are oblivious when im trying to get accommodations because of my XXXX. What's so XXXX about all of this is mr cooper sent these documents individually already this month SEVERAL TIMES!! .then sent it all in a 50 page document then this last one is sent and its like 100 pages plus!!!!!!! i only scanned seventy cause Im using a XXXX XXXX XXXX and i have to manually scan it and it got cumbersome but WHY are you sending these documents over and over and over and over again??? why Mr cooper?? then when i complain you get off on a rule technicality!! is this why the XXXX was calling me to let me know of the mail drop? HAHA how did the XXXX even have assess to uncode my number that was deleted from your system ( XX/XX/2021 ) to call me on the XXXX ( when you are already supplied enough paper for a small forest ) don't leave a message to only see my complain yet you call me again don't leave another message then miraculously do another document drop of the same REDUNDANT information that you've ben supplying to everyone and that explains a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2023. {$2000.00} was placed on my Venmo account. I linked it up to my business XXXX account. Received confirmation. Requested to transfer money into amount XXXX {$2000.00}. Received email process confirmed at that point XXXX balance of my Venmo. Received email that monies would be received XXXXXXXX XXXX. Than a email stating XXXX deposits will be made. I called XXXX business no deposits etc..no hold etc. 
Than I call a Supervisor at Venmo she can not help me only a processing center I tell her Name XXXX I received email and confirmation and then XXXX told that it takes 5 days when in doubt all email are different then she staes I donot know cannnot help you. I call back they state the same thing I request to please speak to someone noone available so you take {$2000.00} out of my account provide incorrect information I must pay a major invoice for my company than you state you can not help me when in doubt this affect mer and my firm. 
Please see email received Please note this is XXXX as well XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/2023 Transfer Amount {$2000.00} Transfer transaction ID XXXX Estimated arrival XXXX XXXXXX/XX/2023 Destination XXXX XXXX XXXX You can see the status of your bank transfers by visiting your Account Statement. 

Bank transfers initiated before XXXX XXXX on business days will typically be available in your bank account the next business day, but it can take up to XXXX business days. 

Business days are XXXX XXXX XXXX bank holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX, XXXX, and Equifax continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX XXXX and transunuin  has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??

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 2021-03-10
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to XXXX in XX/XX/XXXX. My mortgage was suppose to include escrows. XXXX stopped collecting escrows for RET and Insurance. I called them multiple times and send an email, both to their corporate email address and the secure messaging service. I was told this would be resolved but it has not and now my taxes are past due ( XXXX shows enough funds in the escrow to make the installment ). The mortgage was transferred in XX/XX/XXXX and the new servicer doesnt show the escrows being required. 

Furthermore even though I had an insurance policy in place, XXXX put in force a XXXX policy using my escrow funds when they took over the loan. My agent provided proof of coverage over the last year, and although they showed the new policy in effect they have yet to refund me for the policy they put in error. 

XXXX refuses to address these concerns primarily the insurance policy issue. My new servicer is telling me this needs to be resolved by XXXX and not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2022-10-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This credit card automatically enrolls customers in a Security Fee, that is 1.66 % of each monthly statement. The paperwork for this card, and their website, both do not mention that customers are automatically enrolled ; they instead call this an optional fee. I have read through my paperwork from when I activated this card in detail, and there is no mention of this fee being something customers are automatically enrolled into ; instead, it is called an " optional '' fee. I only noticed because I was being charged a " security card '' fee each month. It seems all users are automatically enrolled, as I have found comments of others ' complaints on online forums. 

For example, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' the amount of {$11.00} ; on XX/XX/2022, I was charged {$17.00} ; and on XX/XX/2022, I was charged {$34.00}. 

I believe this is deceptive, and it is not fair for them to automatically enroll us in a paid service and charge us fees without our consent and without customers ' prior notification. The only way to gain knowledge this is to be charged. The only way to waive enrollment in this fee and " service '' is by calling them ; there is no way to do so on their website. Their customer service makes it very difficult to drop this " service, '' as they transfer you to multiple other numbers, with long wait times. They also refuse refunds for fees recently paid.

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 2023-10-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My spouse filed XXXX XXXX bankruptcy without my knowledge, and just for herself. 
The vehicle secured by the loan from BMO Harris is included in the bankruptcy and in the repayment plan. They are attacking MY credit and trying to force me to pay it outside of the bankruptcy proceedings by reporting me as late / delinquent, even though the bankruptcy payments are being made by my spouse and they are receiving funds as agreed within her deal, which has nothing to do with me.

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 2023-09-01
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Mohela will not provide an accurate accounting of what loans were consolidated and which paid off. I show an XXXX XXXX discrepancy in their total and my documented amounts. The interest rate ( 6.7 % ) is stated as {$110000.00} on XXXX. I have stayed on hold more than 4 hours to be disconnected as they don't want to answer these questions. 
This is multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation