BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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 account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXXXXXX XXXX XXXX XXXX unknown account ( possibly fraud/violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX  violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-03-03
Company: Credova Holdings Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

XXXX XXXX XXXX XXXX transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

XXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Back on XX/XX/XXXX i sent an application to the lender to keep my property, On XX/XX/XXXX i was approved for a Repayment Plan with a payment with the double amount of my previous monthly payment and i requested to extend the time for my repayment plan to XXXX  months and they denied, i am XXXX XXXX XXXX and my wife XXXX XXXX XXXX, we are retire and we make a big effort to pay our home and subsist, eventhough they did not want to extend the time of the repayment so the monthly payment could be less i accepted the terms and started to work more time no matter my age, XXXX weeks after my wife XXXX with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; we went at the XXXX  and she got XXXX XXXX, i had to stop working as we do not have children nor family i had to take care of her and started living with our savings so i was not able to make the first payment for the Repayment Plan i was approved for, so i submitted a Dispute on XXXX requesting to be reconsiderated for the repayment plan and on XX/XX/XXXX the Rep called XXXX told me i needed to pay in a one time payment {$25000.00} to see if they can considerate to give me the repayment plan again ; i was not able to make that amount of payment, i am XXXX XXXX XXXX, my XXXX  XXXX and we do not have family, i only have to her, i have XXXX jobs to be able to provide a home to my lovely XXXX, so i sent again a Modification Application to see if they can consider me for another option, they approved my Repayment Plan to continue, i had to make my payments on the XXXX of each month, i sent my payment on XXXX and they did not accept my payment cause it was XXXX  days later, i did not know there was not grace period, is under the same month, i requested to be considerated to continue with my repayment plan and they are just giving me the option to sale my home. That is not an option, i am retired and elder person, i do not have family, nor another property, if they sell my home, i will need to be homeless as i do not have money to pay another home, i have XXXX jobs to pay my property, and my wife is sick as a consequence for the XXXX XXXX, please help me to keep my home, i will contact the news or send letters to the XXXX XXXX  to make this lender give me a real solution. There is not way they quit my home as this is where my wife and i live, please help me!!! They do not give me another option besides to send checks, there should be automatic payments or payment over the phone, things can happen, it would be illegal for them to quit my home for sending my payment only 5 days after the day, i will have to request help on the TVs or XXXX XXXX  to keep my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AZ
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 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  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 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 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
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:
This is the Certified letter that was sent to Experian on XX/XX/XXXX To whom it may concern, XX/XX/XXXX, My Bankruptcy was discharged. I also sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating, " They do not report any bankruptcies to any outside agencies. '' So, if that's the case how did the credit bureaus edify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 


15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 


The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 reasonably believes that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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've informed XXXX, XXXX, Experian, XXXX, XXXX, XXXX, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2023-06-15
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Rightpath Servicing XXXX and spoke with XXXX who told me there was a hold on my foreclose and not to worry. I finally received the call back from XXXX to get legal advice. She told me my home has a court date and the sheriff came to notify me on XX/XX/XXXX, but I wasn't home. I believe she said I have a sell date of my home XX/XX/2023. Meanwhile I received a letter from XXXX stating pay XX/XX/XXXX. XXXX sent the total payment due on XX/XX/2023. I need this foreclosure dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Requested forbearance XX/XX/XXXX. Requested loan remodification XX/XX/XXXX. Requested reevaluation of loan remodifcation XX/XX/XXXXXXXX  service provider failed to respond. XX/XX/XXXXXXXX  submitted HAF application service provider failed to respond to HAF by the deadline of XX/XX/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 2023-09-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to file a formal complaint regarding an unresolved fraudulent transaction dispute that Wells Fargo has failed to remedy for over 60 days now. 

On XXXX XXXX XXXX I discovered three unauthorized, fraudulent XXXX transactions were made from my Wells Fargo checking account ending in XXXX paid to XXXX XXXX XXXX XXXX XXXX name of XXXX XXXX XXXX The transactions totaled {$13000.00} plus fees and occurred between XXXX XXXX XXXX 

I immediately contacted Wells Fargo to report the transactions as fraudulent, as I did not initiate or authorize them. After filing a claim and providing the requested documentation, Wells Fargo reimbursed {$4000.00} of the stolen total. 

However, the largest single transaction for {$9800.00} remains under " investigation '' with no resolution or return of my funds after over 60 days. I have made weekly calls and provided extensive proof, such as police reports and bank receipts, showing the recipient was an unknown third party. Yet Wells Fargo refuses to give a timeline or take any concrete action to reimburse this stolen {$9800.00}. All they continue to do is escalate my case to another party within the bank each time I call. 

As a loyal customer for over 25 years, I am incredibly disappointed with this lack of urgency, transparency, and reasonable resolution by Wells Fargo on a confirmed fraudulent transaction claim. {$9800.00} is a massive sum that I rightfully need to be returned to my account immediately. 

I request that Wells Fargo expedite the investigation and return my {$9800.00}.

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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CO
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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: Personal information incorrect

Complaint:
Equifax refuses to correct my name. Ive send ID verification and they wont remove a name I do not go by..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had many issues with Wells Fargo while a member. They charged high fees which came out of my account. My information was also compromised during my tenure there. A few years after I closed the account, I started getting calls and many of them from payday loan people insisting I had a payday loan that was supposedly being paid by my WF checking account, which it was not. I still get the calls periodically.

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 2023-11-11
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sirs, That bank once offered me a credit card, for {$6000.00}, at the time I paid as established, one day that financial institution disappeared, and I had no communication, from that moment on with The XXXX XXXX XXXX  page, it did not work, No I was able to use the page to pay or consult for several months ... they were not professional and are causing damage to my credit report, the closing situation of that bank is not my fault. 
Please remove negative information about my credit. I make a great effort to meet my payment obligations as you can see. 

Sincerely 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 2023-01-11
Company: Kriya Capital, LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint in reference to XXXX XXXX XXXX XXXX. I signed a month to month contract with XXXX XXXX XXXX on XX/XX/2021. I called XXXX XXXX  XXXX customer service department in XXXX of 2021 to cancel my services because I am out of work and I have no income coming in. I could not afford the payments anymore. I had spoken to numerous customer service representatives in the customer service department. My request was ignored and XXXX XXXX XXXX continued to bill me. XXXX XXXX  XXXX customer service kept pushing more services on me, when I told them my situation and I do not know what they did not understand. When XXXX XXXX XXXX shut me off, I do not recall the date ; they did not completely shut me off and continued to bill me. I have a bill of {$670.00}. This is unacceptable when I requested for my account to be closed. This is poor business practices and customer service. 
Now, XXXX XXXX XXXX sent my information to a collection agency by the name of Credence Resource Management LLC. They harass me with phone calls and letters. XXXX XXXX XXXX is trying to ruin my credit and they better remove it from my credit report. I really hope someone can intervene and help me out with this situation.

Company response to consumer: Closed with non-monetary relief