BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are homeowners in PA in XXXX XXXX and are in need some assistance. Any help is appreciated. 
We had a 2nd Mortgage through GMAC Mortgage Co XXXX XXXX. The mortgage was taken out on XXXX, for {$40000.00}, loan # XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. As I understand this both companies are now out of business. I have a letter from XXXX that the mortgage lien was paid off XXXX. We refinanced it through XXXX XXXX XXXX XXXX into our new 2nd mortgage on XXXX. My problem is that is still showing up on my title search report. I am in need of a Satisfaction letter to be sent to the Recorder of Deeds Office in XXXX XXXX Pa so they can record the Satisfaction and remove the lien on my property. 
Ive done quite a bit of work researching this, and have had no positive results. I can not find the current Agent of Record that I can speak to and obtain the aforementioned Satisfaction piece. Please Help. 
Ive included for your review : a copy of that mortgage, a letter from XXXX stating that there is no lien to remove as it is satisfied, a copy of the title search showing the lien is still active on my property, an excel sheet listing the places Ive reached out to and the results, as well as a trail of emails that show weve tried working on this with other companies. 
Ive filed complaints with XXXX of XXXX, Federal Reserve Board, Attorney General, and XXXX XXXX XXXX. 
I dont have the money to file a quiet title with a lawyer, and Ive already paid once in my loan to satisfy this. 

Please help ASAP, as were trying to refinance to combine our mortgages into one right now. This is causing the hold up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need access to my mortgage account online which I was able to for over a year. Suddenly I am been told online and person to person phone conversation that my account is been placed on hold. These failing attempts to access my account has been over three weeks. 
Please help.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, XXXX, I mailed a letter to XXXX XXXX requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and TransUnion. 

In this letter sent on XXXX XXXX, XXXX, I also requested that XXXX XXXX cease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). XXXX XXXX received these documents on XXXX XXXX, XXXX. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. 

On XXXX XXXX, XXXX, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and TransUnion. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the XXXX XXXX account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that XXXX XXXX  have verified the account. I requested the documentation of the verification, but none could be provided. 

I am utterly uphauled at how XXXX XXXX, XXXX, and TransUnion have handled this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

XXXX XXXX  has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

XXXX XXXX has had ample time to resolve this issue and they have done NOTHING!

I demand the immediate removal of this account from the three major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.

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 2023-05-18
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 of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXXXXXX XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX Balance {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo allowed XXXX XXXX to take money out of my account several times in over 6 months creating money problems for me. I ask them to give me XXXX to resolve the issues. This lady called me and offered me XXXX dollars and I kept calling her back but she would never call me back so I left her several messages and I told her that XXXX was needed to resolve the issues and so she did what she wanted to do so the issue isn't resolved Kept opening and closing accounts with my 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 explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from a XXXX number who calls themselves XXXX. I was accused of a debt owed and legal action that would be taken out against me. 
I requested information about the alleged debt, and was denied. 
I requested information about the company and what XXXX stood for and was denied. 

Rep Threatened to continue to call and harass when I asked for them to remove my name and number from the call list person responded " too bad Im going to continue to call '' Rep Threatened to take negative or legal action, person said legal papers will be filed

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 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
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 already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident 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 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery at XXXX XXXX XXXX. XXXX, VA XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged the late fee XXXX $ and an interest fee XXXX $ accordingly, from my Bank of America Credit. 
I am jobless due to Covid 19 pandemic, I have no income for more than one year. I tried to communicate with the bank to waive that? but they refused to me. So I am asking for help. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled a Bill Pay payment to XXXX XXXX, CO for our annual property taxes on XX/XX/2021. Chase was to have sent the check on XX/XX/2021 to arrive at XXXX XXXX by XX/XX/2021. My mortgage company notified me today that my taxes are past due. I went back into my Chase Online Banking account to look up the Bill Pay, and saw the payment status as " rejected '', and a note indicating " We didn't approve this payment ''. I called Chase 's Customer Service department, talked with one agent who transferred me to a complaints person who took down my information. She would not give me the name of any manager I could speak to, and indicated someone will contact me within 7 days. Chase never notified me of rejecting my Bill Pay request. This is completely unacceptable, as is their supposed complaints process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX cox 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone 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 seven 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 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 2021-05-12
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection account is listed on my credit report and I never recieved any notice by mail. This has caused the due processed to be skipped and I have not been alloted the proper time to dispute and request the validity of this debt. Futhermore, I am deeply disturbed that a collection agency has and is listing my medical history publicly and possibly violaliting my hipaa privacy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
Original Creditor : 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 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 2022-04-12
Company: EQUIFAX, INC.
State: WI
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:
my credit report was lowered by XXXX points over the course of two days i am current on my debts and continue to pay i feel they are intentionally lowering my score in order to upsell me on extra credit protection that retails for XXXX dollars a year this in not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: United Funding Logistics, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have made over 20 attempts to resolve this with XXXX XXXX, the CEO of United Funding Logistics, which is a credit repair company. This is the biggest scam of a company there is, there are numerous negative remarks already posted about this company that I did not see, they never return phone calls. They take your money and then you do not hear from them again, they do not follow through with any thing they say they are going to do. He kept claiming he was going to refund the money but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MI
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:
According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. There has been rounds of dispute and these accounts still remain. 

I am preparing to take this to a small court and recover damages immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am experiencing a Hardship financially due to Corona Virus Covid 19 and requested by fax twice to Capitol One for a financial hardship request. I have paid on time for 3 years. They denied working with me not once but twice. I really wanted to work out a payment plan with Capitol One however I was denied twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX 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 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