BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern I disputed Wells Fargo XXXX XXXX the original dispute was included in bankruptcy was not added to XXXX XXXX XXXX XXXX. You claim the information was added i revised the credit report with a new credit report the information is still not there which put you in FCRA i demand that you remove this account in its entirety I asked you to review XXXX credit report that is uploaded and circle where do you see included in bankruptcy! 
Also you failed to notify the bureaus that consumer disputes!! Is another violation of the FCRA. 
Per the reporting agencies there was a updated done by you and you failed to note the account as consumer dispute. 


Also the account was open on XX/XX/2017 the payment history is incomplete which is another violation of the FCRA based on the credit report Wells Fargo I dont want to sue you for XXXX in FCRA violation but I will if I have too FCRA states consumer credit report must be 100 % accurate and verified remove the account from XXXX XXXX and XXXX immediately

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 2023-12-01
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX dba Attorney at Glasser and Glasser P.L.C. has been alerted that they were interfering with a billing dispute with XXXX XXXX XXXX XXXX. All correspondence has been ignored. No contract exists between XXXX and XXXX XXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from XXXX XXXX XXXX XXXX. They were also informed that they are interfering in a XXXX matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via XXXX mail. 
XXXX XXXX XXXX XXXX and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just XXXX months after my closing for making false statements to Federal agents for real estate matters. XXXX months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. have notified to Cease and Desist collection efforts. 
XXXX XXXX XXXX XXXX XXXX dba Chief XXXX XXXX, XXXX XXXX XXXX Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
XXXX XXXX has been paid and closed since XXXX but on my report, this is still showing that it is 30 days late with a balance. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX 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 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-11-22
Company: JPMORGAN CHASE & CO.
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:
In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NY
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 informed you already the below information should be remove an delete from my credit record since these accounts was settled.

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 2018-10-21
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had enrolled in paperless statements and had been receiving statements via email up to and including XX/XX/2018. Did not receive any statements for XX/XX/XXXX or XX/XX/XXXX,  thereby incurring late fees. Synchrony wrote off XX/XX/XXXX 's late fees, but not XX/XX/XXXX even though I complained to them that I was not receiving their emails. I totally believe that Synchrony is doing this intentionally to collect late fee monies.

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 2023-11-29
Company: E Mortgage Capital, Inc.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX E Mortgage Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This person has been sending my personal information to people that i'm associated with and have never provided their information. I'm also not sure how it got my information as I never applied on his company site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a vehicle loan through Wells Fargo Dealer Services. I did struggle to keep up with payments, but was trying to resolve that issue with them when they repossessed my XXXX XXXX XXXX without proper notice on XXXX XXXX XXXX Once the car was in their possession, every attempt I made to reinstate the loan was denied, and I ended up losing car. I feel like they failed in their duty to provide notice of potential repossession as well as to negotiate in good faith regarding reinstating the loan.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: KY
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 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, XXXX, and Experian are not to share and must remove XXXX Account no XXXX XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

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 2023-06-07
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I am a XXXX XXXX vet currently on XXXX last few years so little late responding I called SPS and asked for help in getting my rate reduced because at that time rates were around 2 % and my mortgage payments were going up because of insurance rates higher and property taxes higher and it was stretching my budget and I was getting stressed out over this. The sps rep said sure no problem go online and file for modification we will be glad to help. I filed online with SPS in XX/XX/. My only income was social security and a little part time job one day a week and was paid in cash of {$150.00}. I received correspondence that the letter that was written for the {$150.00} in cash need to be reworded. I reworded and sent back in again was told needed to be reworded. On at least three more occassions SPS would send me a letter saying not worded correctly. I asked just leave off and I felt they were just stretching this out and basically wanted me to give up. Finally around XXXX or XXXX XXXX XXXX a SPS rep kept me on the phone for 45 minutes while she talked with underwriting and then told me verbatim how to write the letter for the {$150.00} week income, I sent in the letter and then in XXXX XXXX XXXX a SPS rep called me and verbatim told me SPS WOULD EITHER REDUCE THE RATE OR DO A PRINCIPAL BALANCE REDUCTION BUT STATED TGE WERE DOING VERY LITTLE PRINCIPAL REDUCTIONS AND MOST LIKELY WOULD BE A RATE REDUCTION TO HELP ME the REP then stated sps would call me in a couple of weeks to finalize. A couple of weeks later a rep called me a blatantly told me SPS would not so anything maybe I should seek a refinace somewhere and by this time rates were over 6 % I told her what the last rep said and she wouldnt answer me and ended conversation SPS OUTRIGHT LIED AND DECEIVED ME THE WHOLE TIME, I think they just play the game and hope the customer gives up. I am sure SPS has records of all conversations with the customer showing this as they always stated I was being recorded. I wrote three letter to he CEO of SPS explaining all this and even telling him I was being lied to and misled and then would receive a call from a rep stating they want to help but just lies. Look at all the complaints on line even consumer affairs which are horrible. When I first applied with SPS I received a confirmation letter which stated the name of a rep who would handle the whole process herself. I CALLED HER ONCE BUT SHE NEVER RETURNED PHONE CALL AND EACH TIME I SPOKE TO A SPS REP IT WOULD BE A DIFFERANT REP. 
So from the very first correspondence from SPS was a lie

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX My husband XXXX deposited was depositing {$1900.00} into the drive through the ATM into our joint account around XXXX XXXX. {$1000.00} was put into when the ATM glitched and shut down and restarted. Once restored the ATM did not print a receipt, return the money, or post the money to the account. He then went to the walk up ATM at the same location and deposited the remaining {$840.00} that did post to the account. He left came home and got me and we returned to the bank which was closed so we checked the ATM to see if there was a service number and there was not. XX/XX/XXXX XXXX went to the bank to file a claim and was told I would have to file the claim as the card he used to make the deposit was in my name. XX/XX/XXXX| filed a claim via telephone. The {$1000.00} was put into the account a few days later. Then XX/XX/XXXX {$1000.00} was removed from my account and when I inquired as to why I was told that the investigation concluded that only {$20.00} was deposited in the ATM which is absurd. I then reached out to the XXXX XXXX XXXX via email to explain the issue and was redirected to the investigation department in which XXXX XXXX responded. The claim was reopened and again denied. On XX/XX/XXXX I spoke with XXXX XXXX Regions Branch Manager and she was unclear that it was my husband that made the deposit and not myself. After clarifying this information she relied the information to the fraud department. 
XX/XX/XXXX I spoke to XXXX XXXX for an update on the status of the claim and she had no update and stated that only {$20.00} was deposited. She told me they saw my husband come to the ATM and deposit money then go to the walk ATM and deposit the {$840.00} and they could see where he left and came back to the drive through which is when we were looking for a service number. I asked if I could see the video tape and was told I would need an attorney. I am sure the Video would show that more than {$20.00} was put into the machine and prove that more than {$20.00} is owed to us. I have been banking with regions for 12 years now and never had an issue of this sort.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-24
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$660.00} from Creditor : TRIDENT ASSET MANAGEMENT, 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 an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-11-22
Company: EQUIFAX, 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 XXXX. 

XXXX 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