BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with Citizens bank, I recently used them to deposit a check that had been sent to me by a family member I am not the only family member to receive this check. I used their mobile deposit option thinking I would use the feature and within 5-7 days my money would be deposited into my account. This check is for XXXX and is a big deal to me, after I used their mobile deposit feature I received a letter in the mail from citizens bank stating I would be seeing my deposit in my account on XX/XX/23, when it became XX/XX/23 I became worried and called them. They told me that they were having trouble verifying where the funds were coming from and then told me over the phone that I would not be receiving the deposit until XX/XX/23 because of verification problems, that to me was unacceptable and in some way can not be legal due to regulations on banking, after this phone call I called the person that sent the check to me they said that the funds were taken out of their out of their bank account on XX/XX/23 all XXXX XXXX after a couple more days I decided to call again because I was frustrated and wanted more answers as to why it would be XX/XX/23. I asked to talk to a supervisor and was put on hold until then I finally reached a supervisor that told me that if I was able to get a number from the other bank stating they verified the funds and that it was taken out of the account that that would speed up the process. They told me they can not cancel the check, that they do have the XXXX $ and they also stated nothing on the check was unusual. I am writing this now because even after I gave them the information from the other bank they still have not updated me about anything, they still have not called me and I do not believe they are making efforts to make this resolution come true. I am never using citizens again as I feel they are scammy and thiefs. If there is anything you can do thank you I appreciate the help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Resurgent Capital Services L.P.
State: OK
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 a credit card that does not belong to me and i have tried contacting all three agencies and its and its still on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. The did not do this. Also, they have viola
ted my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Cr
edit bureaus stated my account was properly investigation

but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, i did not give anybody w

ritten instructions inaccurate, and date last reported is not accurate. This ground for removal. They also violated the law becausey according to 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 m
y 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 2023-10-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection account from LVNV FUNDING with account # XXXX and a balance of {$610.00}. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. A check for the XX/XX/2023 {$1100.00} mortgage payment was cashed on XX/XX/2023, by Webster Bank. This payment reflected the exact payment on my Webster Bank Statement dated XX/XX/2023 ( see attached copies I have provided ). Webster failed to apply my payment, showing a default on my loan. 
2. On XX/XX/2023, I received a second statement for the XX/XX/2023 payment, dated XX/XX/2023 for {$1600.00}. My yearly escrow analysis was printed on the back of that statement and the new payment reflected the escrow analysis done days before my mortgage due date. 
3. On XX/XX/2023, I spoke with XXXX in the escrow department and the department manager. XXXX could not offer any resolution other than to look back at my deferral agreement and send a complaint to XXXX. Moreover, XXXX confirmed that an increase in my escrow payment should occur at least 30 days in advance after an escrow analysis is complete. Again, this was completed only 5 days before the XX/XX/XXXX payment was due. 
4. Webster cashed a check for the XX/XX/2023 mortgage payment for the stated amount of {$1600.00} on XX/XX/2023. On XX/XX/2023, I received a late payment notice for XXXX and XXXX. 
XXXX. After reviewing my deferral agreement dated XX/XX/2023, I found nothing regarding an escrow account, simply XXXX XXXX XXXX 

The customer assistance I have received has been incredibly disappointing from this bank. I get conflicting answers from different people and the letters I have received from the bank do not give me a reference person to speak to, so when I call, I need to explain what the letter says ; but ironically they don't know who sent it. There should always be a contact person to speak to and not just a department. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MA
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 '' Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I did not request a credit card from Bank of America. 
I called their XXXX XXXX XXXX  they referred me to you. 
Their number is XXXX. 

I never requested credit from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a Wells Fargo Mortgage Customer and in a revolving door of foreclosure with them for 4 years from approximately XXXX to XXXX. I would jump through all of the hoops of getting approved for a modification, I would make the required payments requested to prove I could do it and then would be denied the modification. I did that 4 or 5 times. I was charged XXXX  of dollars in attorney 's fees for this process every time it happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: AZ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this amount multiple times with the Credit Agencies after finding this debt on my credit report. Each time the case is closed stating this is a valid debt. I have not received communication from the debtor about this amount nor do I owe the amount stated. In reality, the debtor has closed this account, reopened the account and appears to be charging interest on a medical debt. I can not determine my state 's ( Alabama ) law of protection against this. Most recently, I printed and intend to mail a letter directly to the company asking for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX ] Account Number date : [ XXXX ] Reason : [ not recognizing the inquiry today but Im willing to remove ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my company handled a refinance for XXXX XXXX XXXX on his XXXX County Home. At which time he had two mortgages to payoff. A first mortgage with Bank of America and a second mortgage with Bank of America. Although it was challenging we were able to get a satisfaction filed for the first mortgage. However, to date the 2nd mortgage we are struggling. I am attaching the payoff which reflects a XXXX  balance. The payoff letter however DOES NOT have anywhere the borrower is to sign to CLOSE and FREEZE the CREDIT LINE. In addition the payoff letter DOES NOT reflect a satisfaction recording fee. We sent the XXXX  balance payoff letter and requested a satisfaction of mortgage be filed. I followed up on XX/XX/XXXX and on XX/XX/XXXX with Bank of America and they NEVER responded. I then filed a complaint with the DFS on XX/XX/XXXX because I still had not heard back from them. They then responded to the DFS stating that the satisfaction of mortgage was never filed because the account was still opened and not closed. The borrower then contacted them and closed the account. He received a congratulations your loan has been paid in full on XX/XX/XXXX and to date a satisfaction of mortgage has still not been filed. I am assuming because they never collected the satisfaction recording fee. What can be done to change Bank of America 's payoff letters for their 2nd mortgages? I currently have two other files that I will have the same exact problem. They don't include a satisfaction fee EVER on their 2nd payoff letters and they NEVER have a signature line for the credit line to be closed and frozen. This is not fair to the consumer, they don't know any better and just pay off loan and figure the satisfaction will be filed. I would LOVE to see Bank of America be fined for this, so they make a change to their 2nd mortgage payoff letters. The first payoff letters DO INCLUDE a satisfaction fee. Looking forward to hearing back from you. Best regards, 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 2023-03-30
Company: EQUIFAX, 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:
XXXX XXXX XXXX Account # XXXX has violated my rights. 

I am not liable for this debt with XXXX XXXX XXXX and I DO NOT HAVE A WRITTEN OR SIGNED CONTRACT WITH THEM OR THE " Original Debtor '' and until this day they have YET to provide me with the original applications with my signature on it. Therefor this is misreporting and its negatively impacting my credit report. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? NO, I did not.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 15 USC 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 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 had a consistent issue with credit reporting agencies. For one Transunion won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that Transunion will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as 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 2021-08-02
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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX 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 non-monetary relief