BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a case open with the cfpb about the same situation but I just heard back from BOA about another claim that I had that is for the same situation and they denied my claim as well. I was scammed and they say they are unable to pay. Regulation e protects these types of situations. They are refusing to get my XXXX dollars back. The claim was opened on the XXXX th on XXXX. All they told me is to reach out to the merchant but it was a scam. There is no way to get in contact with the scammers. I also have a police report open.

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 2023-04-06
Company: EQUIFAX, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Shellpoint Partners, LLC
State: CT
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:
XXXX has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. XXXX has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the paper trail says, that the creditor can say otherwise, and XXXX will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but XXXX has even not made any efforts when Shellpoint previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if XXXX makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of XXXX and well see if what they have said and what I am reporting here is true to the extent that I say. 

Shellpoint Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120-day lates on 2 mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AZ
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from 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 2023-09-22
Company: EQUIFAX, INC.
State: LA
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:
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 2020-12-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Lowe 's through Syncrony bank which finances Lowe 's credit. I told the collector during the last week of XXXX that I would pay {$100.00} on the XXXX of XXXX. He wanted me to submit a phone check in that amount and I told him I would be paying through my bank 's bill pay on the XXXX in the amount of {$100.00}. So he said, so you are refusing to make payment arrangements. I stated I am giving you payment arrangements in the amount of {$100.00} on the XXXX, I am not doing a phone payment. He said, " We have your account number. '' I let him know I was aware of that but he was not to use it. On the XXXX of XXXX Lowe's/Syncrony debited my account for {$100.00}, overdrafting my account. My bank declined the charge. During the second week of XXXX I attempted to pay my payment via Lowe 's website. On the website they showed a minimum payment of {$230.00} and regardless of what I did on the website it showed that I was making a payment of that amount, which I can not afford. Lowe 's debited that amount from my account, the bank will not decline or reverse it and calling Lowe 's I can not speak to a live person. I had XXXX  in XXXX and XXXX and XXXX on XX/XX/XXXX. I am behind in my bills and trying to make arrangements. How is it legal to take money out of my account without my consent?

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. code 15 U.S.C. & 1681 Section 604 of The Fair Credit Reporting Act.

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 2020-12-23
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:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, my wife and I to Wells Fargo, and were approved for a " no cash out '' refinance mortgage of our existing Wells Fargo mortgage ( # XXXX ). Wells Fargo selected XXXX XXXX XXXX to handle the title insurance/documentation. 
We signed closing documents on XX/XX/2020, and received notice of successful closing/congratulations, on XX/XX/2020. We were then issued an account number for the new mortgage ( # XXXX ). 
On XX/XX/2020, we received a phone call from Wells Fargo, for the " past due '' XXXX payment of our original mortgage ( # XXXX ). 
Upon calling Wells Fargo, I was told that the payoff amount for # XXXX ( sent by XXXX ) was somehow insufficient, so " existing balance '' payment for # XXXX has not been accepted, causing that mortgage to become past due. 
No one had previously informed us of this, and had, in fact, sent us the " notice of successful closing '' /congratulation email. 
So now there is a dispute between Wells Fargo and XXXX XXXX as to a solution. 
In the interim, here we sit, with two mortgages ( one on the verge of becoming delinquent ), because the title company Wells Fargo selected couldn't get their numbers right?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2021-02-12
Company: Scratch Services, Inc.
State: MO
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 completed an application for XXXX XXXX  in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXX/biweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67  pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX  or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XX/XX/XXXX, Term : 54 months

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my credit info from the 3 credit bureaus. I had no problem with XXXX  and XXXX. Both showed my credit report and credit score free-of-charge. Not so TransUnion. They sent my credit report, but they refuse to tell me my credit score unless I pay them for it. This just seems wrong! Is it legal?

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 2021-05-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was furloughed due to the pandemic. I contacted my mortgage servicer Wells Fargo and explained that I would get caught up on my payment ( 30 + days late but not more than 60 days late ). I asked if they would waive the late fees, the Wells Fargo representative said no, unless I refinanced which I do not want to do. 
Now the late fees keep compounding and is up to {$960.00}. 
Monthly I make my payment but receive a foreclosure notification from Wells Fargo. I am not even 30 days late.

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 2021-09-03
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Upgrade card line of credit # XXXX and the other day I tried to make a purchase only to receive a letter that I was not able to make a draw because they were not able to verify my identification. I am really concerned because I submitted the documents including a picture of myself and my Identification along with verification to my bank and income verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion and XXXX are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.

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 2023-09-21
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
I sent this credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : XXXX

Company response to consumer: Closed with non-monetary relief