BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing, LLC, has assessed our account the amount of {$8700.00} unlawfully. We contacted the servicing company regarding the matter, in response Ocwen Loan Servicing, LLC, indicated that the fees were not past dues even though it reflected in that fashion according to the mortgage statement, but assessed due to the XX/XX/XXXX foreclosure action. I have attached a notice of voluntary dismissal from the foreclosure action. What does this mean? In Florida in order for servicer 's to collect for legal fees they must either win summary judgment or acquire a final judgment at trial. We never went to trial because both me and Ocwen entered into an agreement and therefore trial was cancelled. In XX/XX/XXXX, the Florida Supreme Court adopted Fla. R CIV . P. 1.525, which states- " Any moving party seeking a judgment taxing cost, attorney 's fees, or both shall serve a motion within 30 days after filling of the judgment. See case no. XXXX, In the XXXX Circuit court of the XXXX Judicial Circuit. You will find that NO JUDGMENT WAS ENTERED, case was voluntarily dismissed and therefore as per Florida Civil Rules, Ocwen is not entitled to have assessed the {$8700.00}. This is Illegal on its face and we ask action immediately by the Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: WELLS FARGO & COMPANY
State: CA
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:
I am the trustee for the trust of XXXX XXXX XXXX who was the last surviving borrower on a reverse mortgage serviced by Wells Fargo Bank before she passed on XX/XX/XXXX for her home located at XXXX XXXX XXXX, XXXX, Ca. XXXX. Wells Fargo 's Loan ID # is XXXX and Loan Acct # is XXXX. On XX/XX/XXXX, Wells Fargo provided us with written notice of our rights and obligations and specifically indicated that Youll have up to six months to purchase or market and sale the property. This calculates to XX/XX/XXXX. As they requested, we also provided Wells Fargo with copies of the deceaseds death certificate, the trust agreement and an intent letter that indicated we were going to sale the property. Wells Fargo acknowledged receipt of these documents by letter dated XX/XX/XXXX. Based upon that written representation, we renovated the house and put it up for sale and it is set to close on XX/XX/XXXX. The problem that we seek your assistance on is that despite our protests including that the house had sold and was in escrow, in XX/XX/XXXX Wells Fargo referred the property for foreclosure. After further protests, Wells Fargo agreed to not take any formal legal action. We assumed that this ended the matter, however, Wells Fargos attorney is now charging us {$900.00} in legal fees relating to the foreclosure. We have had numerous conversations with Wells Fargo personnel about this matter including today with XXXX XXXX of Wells Fargo at ( XXXX ) XXXX XXXX. He has defending the foreclosure action and has refused to reverse the legal fees stating that HUD guidelines required them to start foreclosure 120 days after the last borrowers death and furthermore they didnt have any duty to notify us of this requirement ( which they did n't until after they referred the matter to foreclosure ) and that it was our mistake to rely upon the representations in their XX/XX/XXXX letter which gave us until XX/XX/XXXX to market and sale the property. The facts support that Wells Fargo has refused to comply with the very specific repayment terms that they provided in their XXXX XXXX XXXX letter, have fraudulently and arbitrarily changed those terms without providing any prior notice and instituted foreclosure proceedings prior to the date that they specifically provided as the grace period before the debt became due and payable, namely on XXXX XXXX XXXX. This fraud caused tremendous XXXX XXXX XXXX XXXX  plus hours of my time to seek their agreement to cease these actions and has causing the above mentioned legal fees to be billed to XXXX XXXX estate. Please investigate this matter on our behalf because Wells Fargo 's actions are dishonest and I think fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report and noticed Account control technology reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of Section 392.102 of Texas finance code reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Account control technology. I sent a vertification letter with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/XXXX I entered into the Biden Harris FRESH START INITIATIVE which put ALL of my student loans into CURRENT and Good Standing. I pulled all three of my credit reports yesterday on XX/XX/XXXX and see that TRANSUNION is showing TWO different or duplicate account from XXXX XXXX XXXX as being DELINQUENT and in DEFAULT for more than 120 days. Yet BOTH XXXX and XXXX show ABSOLUTELY NO INFO or an account PERIOD with XXXX as it was transferred over to COLLEGE ASSIST quite some time ago. In fact at the end of each XXXX  account statement from TRANSUNION it statesACCOUNT CLOSED DUE TO TRANSFER. 
So not only are my rights being violated under 15 US C 1681s-2 ( A ) ( 1 ) which states that any information relating to the consumer by a REPORTING AGENCY CAN NOT be INACCURATE, but my rights are ALSO being violated under the Biden Harris FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 


( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in 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 non-monetary relief
Consumer complaint received 2019-10-06
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This co. was nice up to the point I paid them off. I tried to call back to find out when they would notify XXXX so I could get my service set up with my new move. They assured me a number of times which was a lie, that XXXX would " automatically '' be notified once I used my debit card to pay the debt. Well that was a false statement made by them! The office I went to in XXXX, CA did not have that info on their system & tried to charge me a deposit because of it. I told them what happened, the rep gave me her info for them to fax proof of payment or email it to her. They declined to do both, became very argumentative & declined to send anything to their client - XXXX to prove I paid the debt so I could have my service set up. It's a good thing I am an honest person, because the lady I dealt with set up the service & eventually verified it with her collection dept. She also confirmed they never sent her anything. I spoke to a manager who was super rude & argued with me about his co. 's policy. I checked my email blocked list & found I blocked them because they kept sending me emails they were not authorized to send by me. So I never got the proof of payment because of that. They were very nice & cordial up to the point of getting paid. Once they got paid their attitude changed and they turned rude. They refused to assist me when I told them I paid the account. They said if I didn't owe anything they had no reason to acknowledge my requests. Who does that?! All I wanted to do was get the proof of payment so I could present it to XXXX. I was told I'd get it in the mail, guess what I got? NOTHING!! So they lied and likely never tried to send it to my email address either. If they didn't get something stating the email address of theirs was blocked, which it was, then they're lying again, they never tried to or sent me any proof of payment. I'm officially demanding it now & want it on record about their bad behavior after they were paid. Lying doesn't really get anyone very far and they lied & purposely complicated my business with XXXX making it difficult for us to schedule my services. I went 5 full days without services of any kind until we got proof of the payment settled. I didn't appreciate it then and still don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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:
After checking my consumer report, XXXX XXXX XXXX is reporting a 30-day delinquency late payment : Account number XXXX. I am demanding the following 30 day delinquency late payment be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: NCC Business Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My fiance and I applied for an apartment at   XXXX   XXXX    XXXX   XXXX   XXXX , TX back in  XXXX    XXXX  . He was there for about three months when he was asked to leave. The apartment agreed to take partial rent payments in order for him to catch up because he was an out of the state  XXXX  living in  XXXX  on his own. He was in the process of getting his income in order to to give full payment of rent when he was evicted from his residence. The office also informed him that the it would not show up on his credit report. He had less than a week to move out. He had to stay from hotel to hotel until he was able to find a permanent residence.     The amount of {$2700.00} has shown up on both of our credit reports. I feel as if this is in unfair that the office agreed to help him catch up with rent and also told him that they would not report this on our credit reports and they did.     He was not the only person that was affected by this. Many people in the apartment complex were evicted from their homes and were kicked out o n the street.

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was hacked and funds were stolen off my debit card XX/XX/XXXX of XXXX, while I was at work the entire day. In XXXX XXXX, When I got off work to try to get gas my transaction was declined, I tried a lesser amount because I needed gas but I knew I had just added funds to my debit card. I called my bank to see why my card was denying, and to my surprise all my funds had been used in my account. The money that was taken off my debit card was all the money I had to my name. I submitted a dispute to the bank immediately. As soon as I called them the representative told me my card information had been stolen from the atm I had just deposited Money at. He also told me that my card was used at multiple stores in XXXX XXXX XXXX. The money I deposited in my account was all money I had to my name and the bank is now denying my claim. school has just started I have no money to purchase my daughter clothes for school, no money to survive until my next pay check and the bank is saying my claim is closed and they will not return the funds back to my account. They have information that shows my card was used at multiple locations all while I was at work in an entirely different city. I put my money in the account thinking it was safe now I am out of almost XXXX dollars, please reimburse me my funds! I need my money! Please explain to me how you came to a decision to deny my claim when I had nothing to do with my money being stolen of my debit card! please re evaluate this case because I need my money! I have attached documentation to prove that I was at work the entire time the funds were being stolen off my debit card.I also attached the police report I made about the funds being stolen off my debit card.

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: Experian Information Solutions Inc.
State: CT
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 requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening

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 2017-05-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo sent me a flyer saying if I spent {$1000.00} within 3 months of account openning, WF will give me {$150.00} cash bonus which is redeemable in 2 billing cycles. I did spent more than {$2000.00} within 1 month, asking WF to post that cash bonus {$150.00} to my account. WF said NO, I have to wait until the 3 month period passed then 2 billing cycles in order to get the bonus.

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  Account # XXXX XXXX  XXXX XXXX Account # 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 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