BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: WELLS FARGO & COMPANY
State: CO
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:
On or about XX/XX/XXXX I became aware by a vendor pulling my credit that WFC mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with XXXX and WFC. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance WFC reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of XXXX and XXXX, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

WFC is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The WFC loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at Wells Fargo named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named 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 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2017-05-08
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The com pany Loan Depot operating as " iMortgage '' in IL should be investigated for fraud. The LE 's ( Loan Estimate ) they issue customers ( myself included ) is/was EXTREMELY inconsistent with the actual CD ( Final Closi ng Disclosure of costs ). Furthermore for a  XXXX  loan, the entire portion of the escrow hold back ( in my case it was  XXXX  ) was not broken down into individual line items like the law now ( TRID ) requires and they charged me twice for the same {$800.00} fee listed on the CD. In fact, I was never properly disclosed the correct break down of this escrow hold back EVER by the company, in the entire process and can prove that is the case. I only got an estimate by the  XXXX  loan consultant  at one poin t weeks before closing. iMortgage did NOT disclose this itemized cost/escrow hold back whatsoever and likely does not do so at all to other customers like TRID requires they do before AND at closing.     My closing on  XXXX   XXXX    XXXX   lasted for ove r 4.5 hours. During this time, 5 different departments could not figure out how to get me the b reakdown of this lumped  XXXX  cost/escrow amount. I finally at  4 hours  into the closing was contacted by people in AZ who emailed me the breakdown. I discovered they had added a fee twice on to my CD that I had already paid outside of closing. They not only refused at that point to remove it from the  CD ( as I a m sure the loan amount could not be changed at the table ), but they also did not credit me in any way and said I would " Get that money later on ''.     The above is complete fraud and I am certain that upon investigation into this company LOAN DEPOT and iMORTGAGE, that they are breaking more than one law in regards to proper disclosing before and at closing.     On a side note, my loan  officer  was  XXXX   XXXX  and he played a major role in all of this. I do not feel he is equipped to do loans for people in general anymore. He is a much older gentleman and he was sent documents  3-4 times on average ( the same document throughout the entire 3-4 month train wreck of a mortgage process ).    XXXX   XXXX  is an employee whose entire department should be investigated. She was the  XXXX  rep for my loan and did a very poor job communicating or sending documentation/explanation at all.     Overall, I am astounded that  iMortgage  and  Loan Depot are all owed to do purchase loans for individuals at all. The process could n't have been more of a nightmare roller-coaster, and it 's a shame that they have been able to trick the system this long without getting caught. Did I mention my closing was ove r 4.5 ho urs long?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: FL
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 mailed out check to pay for my cellphone bill like i do every month, and i notice a large check withdrawal. Upon research at the branch i noticed the check i originally made payable to  XXXX  for {$75.00} was altered completely and negotiated. I did not authorize this alteration and my phone bill was not paid.   Altered Check I ( Maker ) did not alter the check or grant permission to alter this check, but the  patee  was change to ( fill in here ) :  XXXX   XXXX  from  XXXX   and/or  the amount was changed to ( fill in here ) : {$470.00} from {$75.00} Original Check Number :  XXXX  Amount : {$75.00} Payable to  XXXX  Complaint  XXXX / XXXX /   2016 in  the branch  JP Morgan Chase  Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I noticed a collections charge on my credit report and tried to dispute it with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX Toll free ( XXXX ) XXXX Fax XXXX XXXX XXXX XXXX, XXXX CA XXXX I have received no response. I contacted Huntington Bank and they have no record of the account or money owed as well. I asked about this XXXX XXXX XXXX XXXX and they have no record of using them. They have not returned my numerous calls, letter or contact. It is on my credit and that is not good for something that is not mine. I have been with XXXX XXXX for over 10 years and do not have a Huntington Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone has access to all my credit cards and my banking inform. Able to withdraw money from my account. Also able to shop online access funds to get gas food etc.

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 2017-05-08
Company: EQUIFAX, INC.
State: NJ
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:
Improper reporting to credit companies without prior consent under FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
This is my  3rd disp ute with   XXXX   XXXX   regarding the inaccurate reporting of 30 days late for   XXXX   XXXX    . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
US bank is harassing me for collection of over {$1000.00} in nsf and late fees and is having a collection agency from Texas call me and harass me for over {$3000.00}. This collection agency has left me voicemails saying they are coming to my home or workplace to serve me with a summons on behalf of US Bank. These tactics are entirely unacceptable. I called the collection agency who failed to identify themselves ( phone  number is XXXX ) and I asked them what their voicemail is about. The account in question is over 10 years old and I disputed the claim then, originally an nsf item which overdrew me less than {$10.00}. To think that I am being assessed over {$3000.00} for this is absolutely unethical and unconscionable. This issue is not on my credit report and I refuse to be bullied by US Bank or its collection agency. The collection agency said they were going to garnish my wages and said that I mismanaged my account and attempted to defraud the bank!! They are defrauding me! I told the collection agency that I disputed the validity of the claim then and now, and I refuse to pay this. I will continue to report this behavior and I do not want to be bothered with this anymore. This problem was entirely created by US Bank. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They said denied XX/XX/XXXX never received email. Stay on phone for hour and half and supervisor was to call back nothing. Supposed to email info again NOTHING. Thier website states this also lie. American Express https XXXX XXXX 
Protection Against Phishing and Scams | American Express XXXX you think you've been a victim of a website scam, our Fraud Protection Guarantee means you won't be held responsible for any fraudulent charges, providing... FALSE Advertisement case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, On XX/XX/2023, my direct deposit went into my primary checking account with PNC bank. I have a secondary account that I transfer funds to that I use to categorize certain transactions. When I toggle my debit card to process transactions from a certain account, the processing of debits, withdrawals, payments, and XXXX 's ( posted and pending ) become convoluted to the point that items that had previously cleared get returned and there are numerous instances of duplicate postings that take days to clear up. As of today, I have a payment that was posted to one account, but is showing that it will be returned as unpaid to the merchant on another account. This is at least the 3rd instance of this happening this year and the resulting fees and penalties from both PNC and the merchants is unfair, unacceptable, unethical and possibly illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX XXXX # XXXX and 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
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TransUnion is reporting an incorrect account status remarks from XXXX XXXX. 
XXXX XXXX should be reporting the following account status remarks " Closed by credit Grantor '' TransUnion is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my TransUnion Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from 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 2017-05-08
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.

Company response to consumer: Closed with non-monetary relief