BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
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:
What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX TX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : 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 2023-09-03
Company: EQUIFAX, INC.
State: CA
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:
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. Has Violated my rights. 

XXXX - Account info/ Account number # XXXX XXXX XXXX  -Account info /Account Number # XXXX  XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Curfin Holding Company, Inc
State: IL
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:
Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: DISCOVER BANK
State: VA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
i have two credit cards on court order, one is collecting for garnishment and second one refused to lower my inetreste rate and i need to get out og my court order immediately and consolidate my loan for one month with all my debt .all arent helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In contrast to as recent as XX/XX/XXXXthe Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against Wells Fargo Mortgage in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX XXXX, XXXX XXXX  and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to XXXX XXXX. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX  Bankruptcy Court .

In the case of XXXX XXXX, we have served written letters ( see attached ) begin XX/XX/XXXX to cease and decease all collection attempts on our Wells Fargo Mortgage Account since XXXX XXXX is third party to a debt already in dispute with Wells Fargo Mortgage, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, Wells Fargo Mortgage in its deceptive attempt to unload a questionable debt to a third party debt collector XXXX XXXX  which in turn recruited XXXX XXXX  an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX  District of California. XXXX XXXX   on behalf of Wells Fargo Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXXt, XXXX XXXX XXXX XXXX

In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX  Bankruptcy Court.

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 2023-10-24
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Aspire Credit Card. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 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 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 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 2023-10-04
Company: EQUIFAX, INC.
State: LA
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:
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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, Capital One erroneously sent a XXXX payment to a vendor for {$4700.00} and is refusing to return the money that they should not have sent out. After I filed a claim, the claim was subsequently rejected and they never told me. I have spent hours trying to get my money back and they won't give me an explanation to why the error occurred and what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was compromised and used by a former roommate during a move back in 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 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of america has yet to provide me provisional credit and it's been longer than 10 days they allowed someone to steal a lot of money from me I got my new card but yet to see any provisional credit

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 2017-05-09
Company: EQUIFAX, INC.
State: OH
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:
There is a medical collection from 7 years ago still listed, it was an error reported  XXXX  states  XXXX  which is not accurate I fought this and insurance paid back in   XXXX   this is a violation of my rights and not even verifiable why is Equifax still listing it. Requesting removal ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is 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 2018-10-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This has been our primary home since XXXX and were up to date with our mortgage company ( LOAN DEPOT ) up to huricane Irma. We are a miltary family with girls under the age of XXXX. 

We contacted loan depot after the huricane and they offered us the option of a disaster modification. I was told that our interest rate would not change since this was a VA loan. After making our trial period payments for {$820.00} for 3 month, they accepted the disaster modification. They sent me the final paper work to have notized however I noticed that the interest rate was increased and we called Loan Depot for an explanation. I was not given an clear explanation by the rep and was told to sign the documents. I asked for a supervisor and the rep noted in the account that I did not want to proceed with the modification which was not true. After finally speaking to a supervior I was told that the rep gave me the wrong information regarding the interest rate. 

I was unable to get the documents notarized because the documents had my maiden name and the notary could not sign them. I notified Loan depot and I was told they would send me a new packet which I did not receive. Instead I received a letter denying the modifcation because they did not receive the notized docs back by the deadline. They are not allowing me to make a partial payment only a payment in full. 

I filed an appeal since I could not sign the documents they had mail me and provided them with support documents ( marriage certificate and appeal letter ).  Today XX/XX/XXXX I was told our appeal was denied. I am filing this complaint because due to the lack of attention to our case this is affecting us and they have denied to reopen my case for the disaster modification. This error by loan depot caused me not to be able to have them notarized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: CA
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 a victim of identity theft. Someone tried to get a car loan under my name without my permission and knowledge. I field a police report with XXXX Police Department and Federal Trade Commission and sent these documents to the Credit reporting agencies : XXXX, XXXX, XXXX asking to block and remove fraudulent account. The credit reporting agencies removed the fraudulent account ( Wells Fargo Dealer Services-account no : XXXX ) from my credit report. But recently I have checked my credit and discovered that XXXX credit reporting agency reinserted the Wells Fargo Dealer Services fraudulent account back to my credit. I contacted with them but they refused to help me to resolve the problem.

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 2017-06-21
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a check from my deceased father 's life insurance policy for the amount of XXXX USD on XX/XX/2023 and deposited it. Check went in on XX/XX/XXXX but my account and funds were put on hold till the XXXX. The XXXX of XXXX came and went and my account still was placed on hold and still had no access to my funds, regardless of where they came from. My bank could not verify the origin of the check despite it being from a respected and known institution, which I find absolutely outrageous. After a long struggle with the bank i decided to close the account to open a new one elsewhere and have them resend me my check. My bank still hasn't let go of that previous check meaning i cant receive a new one and after speaking to the insurance company today ( XX/XX/2023 ) they said the check was cleared and cashed on XX/XX/XXXX without anyone calling to verify. I have not seen a single cent from that check and have gone through extreme hardships trying to get this situated. Neither company seem interested in helping me fix this issue.

Company response to consumer: Closed with explanation