BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI my name is XXXX XXXX and i been disputing lvnv funding adn XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees on payments taken out of my account that I didnt approve. They kept letting the same payment repeatedly come out and charged me multiple times leaving my account over drawn by more money than it should have been. Even after contacting them they refused to help solve it.

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 2018-10-08
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Paid bill on time from XX/XX/2017 to XXXX of 2017 of payment on statement sent to me. They raised payment in XXXX of a few dollars and we was never sent nothing or notified of change so for them months what we was sending wasn't enough so it made me delinquent for them 3 months. I was never told about the increase in payment or contacted. I seen it on my credit was how I found it. Was never contacted by the credit card company. Once I caught it I paid the late penalties and for a year now have not had any late payments. I feel this should be taken off my credit for i was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX  XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
I am a victim of Identity theft, which is documented on my credit reports. I have reached out to these companies to provide verification and investigation documents for this unknown debt. These companies continue violating my consumer rights by reporting this unknown account twice on my credit report and every month they are adding new negative remarks which is damaging my creditworthiness, damaging my character, and preventing me from getting employment and housing. They are also violating the HIPPA Law by advertising the medical term Emergency on my report which is a violation of privacy. XXXX and XXXX deleted this from my report immediately, but Experian continues to advertise this unknown inaccurate information on my credit 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 2023-12-20
Company: M&T BANK CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/23 i recorded a promotional balance transfer from XXXX XXXX  ( another credit company that I have a credit card account with them ). I performed this balance transfer of {$130000.00}. XXXX XXXX  XXXX a check to my M & T Credit Card and charged me a balance transfer fee. At that time of the balance transfer my balance on the M & T credit card was only about {$1100.00}. Once the balance transfer went through and settled my M & T credit card had a negative balance because of the overpayment. I contacted M & T lending office and asked them to transfer my over payment of about {$11000.00} to my M & T checking account. They stated we can not do that and we will send the original payment from XXXX back to them. Although this is not correct and the overpayment is my money I agreed to that. But its been 18 days and they still holding my money. I have contacted them numerous times to resolve this issue but every time they just apologize and stating we will send an email to the back office. Please help me to get my money

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 2020-08-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX  and Equifax on XX/XX/2020 and has attached a copy of the letter that was sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-10-21
Company: Experian Information Solutions Inc.
State: NV
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:
I RECEIVED MY REINVESTIGATION BACK AND YOU STATED YOU COMPLETED A FAIR INVESTIGATION AND THESE ACCOUNTS ARE 100 % ACCURATE. BUT CAN YOU PLEASE TELL ME HOW DID YOU INVESTIGATE THESE ACCOUNTS? ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 U.S CODE 1681A THIS IS HOW YOUR SUPPOSE TO INVESTIGATE MY CONSUMER REPORT. 

DID YOU COMPLETE A FAIR INVESTIGATION WITH CLOSE FRIENDS, FAMILY OR NEIGHBORS? 
AN CAN YOU PLEASE TELL ME HOW THIS INFORMATION IS ACCURATE. WHEN THE ACCOUNTS LISTED I AM NOT AWARE OF AN DOES NOT BELONG TO ME. 
THESE ACCOUNTS ARE FRAUDULENT AN SHOULD NOT BE REPORTED ON MY ACCOUNT. PLEASE REINVESTIGATE AN SEND OVER VERIFYING VALIDATE PROOF. 

WHAT TYPE OF PROOF TIES ME TO THE ACCOUNT? CONTRACTS ARE NOT VALIDATE ENOUGH. ANYONE COULD SIGN DOCUMENTS. 

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 2022-03-31
Company: Exeter Finance Corp.
State: IN
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:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I sent an ACH money transfer ( {$18000.00} ) from my account at XXXX to XXXX XXXX XXXX XXXX owned account at BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX. The purpose of this transfer was to transfer funds from my checking out into my brokerage account with XXXX XXXX XXXX. I followed the instructions on XXXX XXXX XXXX website that instructed to send a transfer to BMO Bank routing : XXXX XXXX XXXX acct. num. XXXX. 
XX/XX/XXXX I contacted XXXX XXXX  ( via email and via phone XXXX ). to see if my funds were available. 
XXXX phone number is 'unofficial ' and they do not answer the phone. They are supposed to return voicemail but they never do. They do usually respond to XXXX. 
XXXX XXXX stated they could not located the funds. 
I contacted XXXX : they said the transfer was successfully sent to BMO ( XXXX ). 
I contacted XXXX XXXX again and they asked me to get from XXXX a trace number to locate the funds. 
I contacted XXXX and got the trace number. 
I contacted back XXXX XXXX and they would not be able to locate the funds with the trace number. XXXX XXXX recommended to cancel the transfer. 
XX/XX/XXXX I contacted XXXX to cancel the transfer : I was told it was too late because it was already received by BMO. So they suggested to file a dispute with 40 day resolution timeframe. 
I contacted BMO 3 times. They said : 1 ) they can not find an acct. num. XXXX with their bank 2 ) they can not disclose information on their customer ( XXXX XXXX XXXX ) 3 ) they can not find anything with trace number ( XXXX ) which XXXX has provided. 
XXXX XXXX XXXX is now not responding to my emails. I left another voicemail and they are not calling me back.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXX XXXXXXXX Balance Owed : {$290.00}

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 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-02-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX about a hard-inquiry on my credit report. The inquiry was from XXXX XXXX XXXX I did not apply for a card nor did anyone from my household. I've put a fraud alert on my credit reports and am trying to get the inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
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:
Dispute confirmation number XXXX with Equifax. It has been a month and I never received an email, a notification on the site, or physical mail regarding the process of the dispute, nor did they ever send the method of verification that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NV
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Car loan with XXXX XXXX finance was paid in full on XX/XX/XXXX and it does not reflect as being paid off for the the last XXXX years. It does not reflect as being paid off on my Equifax credit report and effected me gaining access to credit and approvals.As of todays date XX/XX/XXXX its still reflecting negatively on my Equifax credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inherited my parents home after the death of my father and step-mother. My goal is to keep my home and avoid foreclosure. The mortgage on the home is in my father 's name, and is serviced by SPS, owned by XXXX XXXX. The property has transferred into my name with a Quit Deed, and I have a letter of authority & success in interest from the estate. I would like to assume the loan, and receive a modification to help the loan remain affordable, as I have a had a loss of income. 

The current servicer, SPS, has denied my request for a modification and assumption of the mortgage on my home mortgage. I have applied multiple times for a modification. I most recently applied starting in XXXX. Between XXXX and XX/XX/XXXX, SPS requested duplicate documents several times, and each time I submitted the documents requested. 

On XX/XX/XXXX, SPS sent me a letter that they were reviewing my complete modification application. On XX/XX/XXXX, I received a letter stating that my modification application had been denied due to " investor/guarantor Not Participating. '' This is the second time I have received a denial with the same reason given. The first denial was received XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX I was being asked to repeatedly submit documents and applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
me and my wife went thru the entire process and for some reason me and the loan specialist were slightly bumping heads and all of a sudden when we were going to close which were a couple of days in the process the place that we were trying to get a mortgage loan VA declined on our loan due to personal reasons which is totally against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have been joint holders on a personal checking and savings account with this bank. Yesterday ( Thursday, XX/XX/XXXX ) I contacted their Customer service office because I could not get into my online baking. The account was locked and I asked them to reset it. They asked me a lot of questions to verify who I was. Then, the CSR advised me that she needed to speak with my husband to get permission for me to access the account. I am highly insulted and I feel this is a sexist and discriminatory practice. I am a joint holder on the account. I do all of the banking and handing of finances for our household. I spoke with another manger today and she essentially told me " it is what it is. '' This is discrimination. Why do I need my husband 's permission to access a joint bank account? This is insulting and degrading.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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