BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Home Mortgage refused to allow me to audit and make a validation of debt claim prior to foreclosure. The reentry department will not send information regarding the loan per my request to validate the loan. The debt letter dated XX/XX/XXXX which gives me thirty days to dispute the debt. They immediately sent my file to foreclosure before allowing me to obtain access to relevant information to dispute such claims. I received a packet from XXXX XXXX today with loan documents only portions of the information requested in my validation to support the debt. Wells Fargo Bank refused to postpone the foreclosure and allow me time to review the documents. I received some of the documents requested on the day of foreclosure. I have submitted three requests to all allege parties to supply sufficient information pertaining to my loan. The office of President staff, XXXX XXXX XXXX, also refused to send me information from the inception of the loan to present. Also, a request for a affidavit was requested, Wells Fargo has refused. Wells Fargo refused any supporting documents prior till XXXX to support there claim of foreclosure. There have been account numbers changes recently at the time of account sent to foreclosure, the service lenders name changed without proper notification. Wells Fargo Bank does not have any of my records prior to XX/XX/XXXX to show claim to foreclosure scheduled XX/XX/XXXX. Alleged attorney sent a XXXX packet sent to my home on the day of foreclosure to validate the debt, nor does this allow me sufficient time in order to audit, review and dispute any issues to this claim with Wells Fargo Home Mortgage. The balance that the allege attorney differs from the amount Wells Fargo states I owe. The payment history XXXX XXXX provided verbally was also discrepancy

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-07-22
Company: Total Card, 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:
XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Nelnet, Inc.
State: TX
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:
I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals. 

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program
and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the XXXX XXXX  database that show that you have legal rights to report all items on my credit report that I did authorize you to register.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a hit notification from credit wise that there was a change to my credit report and an XXXX XXXXXXXX had a report on my credit and I have never applied with anything for them their website is sketchy I go to Weathers no contact us or anyway to discredit this

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 2023-06-12
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To Whom it may concern, On XX/XX/XXXX, XXXX, XXXX I called Keybank to determine when I would receive the escrow surplus on my closed ( paid off ) Home equity loan ( account # ending in XXXX ) and my closed ( paid off, home equity line of credit account # ending in XXXX ). During one or more of those calls, I also asked the representitive to verify what mailing address Key had for me and she verified my mailing address as XXXX XXXX XXXX XXXX NY XXXX. 
I received a call back from Key Bank on XX/XX/XXXX, during that call I had her verify my address again. The representative then told me the checks were printed on XX/XX/XXXX and would then be mailed following a ten day waiting period. I waited until XX/XX/XXXX, I then called Key to inform them I had not received either of the escrow surplus checks. I called again on XX/XX/XXXX, and XXXX. I informed Key on XX/XX/XXXX that I finally received the escrow surplus check for the account ending in XXXX on XX/XX/XXXX ( I can verify this via USPS incoming mail scan ). I also informed them that I had not yet received the check for acount ending in XXXX. When I called Keybank on XX/XX/XXXX a Keybank mortgage representative ( named XXXX XXXX told me the check was mailed to the wrong address, following that call I was told I would need to fill out an indemnity form in order to get this check. 
I called again today as was told it will take another 10 to 15 days to get reimbursed for the escrow surplus for acount ending in XXXX. 
I updated my address with key in XXXX when I moved to XXXX, at that time no one informed me that this did not include the aforementioned accounts, nor was this mentioned during any of the calls which occured between XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX then and only then was I informed that for account ending in XXXX that an address change could only be done in writing. I find it very in consistent that the check for the account ending in XXXX ( also a home equity mortgage ) was mailed to the correct address without it being submitted in writing. 

Sincerely, XXXX XXXX ( still waiting for the Big Financial Institution to send this little guy his Money the money that cleared these aforementioned accounts on XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent a letter, dated XX/XX/XXXX to Equifax, XXXX  and XXXX  requesting that they remove inaccurate information on my credit report. This issue has really distressed me and has truly affected my daily well being. This inaccurate information was from XXXX of XXXX. I was a victim of identity theft and have fighting to these account removed from my credit reports. None of the 3 credit companies have contacted me and its been over 45 days. The attached letters were what I mailed to the credit companies. I have the signed copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
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:
Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed a complaint about Debt Recovery Solutions before, and they have responded. Unfortunately, they have not fulfilled the obligations of their response. The response was as follows : [ [ This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, 2020. In light of the information set forth in this complaint, we have closed this account in our office and returned the matter to our client for further review and processing. As such, you will not receive any further communication from our office concerning this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX ] ] The account has NOT been removed from the credit profile despite me disputing to XXXX, XXXX, and XXXX. This means that they believe the account is still " legitimate '' and can be collected on. This also means the account is NOT closed. This means they have NOT informed the credit bureaus to remove this inquiry. They must promptly do as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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
Consumer complaint received 2023-11-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank/Express agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but XXXX and XXXX still reflect the late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase account was closed on XX/XX/XXXX. On XX/XX/XXXX, I found that I could not log in the account, so I called the bank. They also did not specify what caused the accounts to close, only the bank 's decision. The first time I called, I told you to mail me the money in my account within ten days. But when I checked the next day, they said they weren't sure, the money in the account was locked, and they could only wait a week or two. On XX/XX/XXXX, I called Chase again, they said I need to wait until next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MA
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:
experian conducted an investigation into a disputed account being reported by XXXX XXXX. they completed the investigation and deleted the account on XX/XX/21, and today it was " updated '' and reappeared on my account. they refuse to remove the fraudulent account although the investigation was completed and all proper documentation was provided.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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, Has violate my rights 15 u.s.c 1681 Section 602 A, Say I have the right to privacy. 15 u.s.c 1681Section 604 A Section 2 It also all states As XXXX reporting agency can not Furnish a account Without myWriting 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