BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: WELLS FARGO & COMPANY
State: MA
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 account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I found many disputes with XXXX Experian and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and Experian XXXX and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate 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 2023-10-13
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:
To whom it may concern ; 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 Equifax Data Breach 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. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
You had all my documents to complete the loan application on XX/XX/XXXX. 

Why did it take you until XX/XX/XXXX to lock in my interest rate. 

THE XXXX XXXX XXXX XXXX XXXX AND XXXX Has evidence you had all the taxes, ins, loan info, rental agreements, XX/XX/XXXX there are over XXXX calls n texts between XX/XX/XXXX and XX/XX/XXXX. But no contact AT ALL from u between XX/XX/XXXX when you had all the documents and XX/XX/XXXX when u called. U still didnt lock the rate till XX/XX/XXXX in a historic interest rise market. Your intentional delay cost me tons. What makes you think your conduct is legal? It looks criminal to everyone I talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar refuses to postpone Trustee sale despite the fact I have a signed contract and approval from Nationstar to short sale the property. One two separate occasions, the agents lied to me ( borrower ) by telling me that they are unable to postpone the auction without approval from XXXX ; however, XXXX told me that it is the servicer who requests the postponement of the trustee sale. It was n't until I spoke to XXXX at Nationstar today, XXXX XXXX that explained that Nationstar will NOT postpone a sale despite a signed contract if Nationstar has already postpone it twice. My XXXX seller 's offer of $ XXXX backed out after the short sale process took 2 months to even get a counteroffer from XXXX which XXXX turnaround is 3-5 days. My XXXX offer of $ XXXX was signed on XXXX XXXX, 2016 ; however, it was n't until XXXX XXXX Nationstar submitted the offer to XXXX, which XXXX counteroffer came in on XXXX XXXX. When I asked the agent why it took that long, the agent agreed it took too long and could n't explain why. Remember this is the XXXX offer Nationstar has submitted on this property, there 's no reason why it needed to take 16 days to submit an offer on a house they have already submitted to XXXX. Furthermore, the Trustee Sale is approved to start at $ XXXX, but Nationstar refuses to push back the Trustee Sale when I already have a signed contract with a Buyer for $ XXXX. A nice family is going to learn that they lost the house they put down XXXX % in escrow because Nationstar is unwilling to postpone the Trustee Sale. Nationstar needs to postpone the Trustee Sale and allow me to short sale the home which is what they agreed me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a notice from a debt collector. Upon receipt I promptly wrote a letter asking for details regarding the validation of the debt as I was unfamiliar with the creditor and the amount. In my letter I disputed the debt and specifically told them not to contact me except to provide the information requested in the letter. I have not received a response, but shortly after sending the letter I started receiving regular " auto calls '' to call the debt collector saying it was important that I call if I did not want them to start " proceedings ''. The recording also said if I didn't identify myself they would assume they had reached the right person regarding the alleged debt. I have received no letter of validation or the requested information despite my request. However it has been less than 30 days since I received the notice and sent the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit report agencies show late payments, and I have never been late paying my payments. 

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: OH
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 : //www.ftc.gov 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, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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 2016-07-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. XXXX XXXX should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America account XXXX XXXX XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXXXXXX amount that must not be held from the consumer is XXXX. At the time I didn't know this but ; a XXXX check was issued by Bank of America and mailed to the wrong address, an old address I no longer have access to, on XX/XX/XXXX. Check arrives to wrong address on XX/XX/XXXX. 

On XX/XX/XXXX, I'm notified by BoA via paperless letter about the levy. THIS document had my correct mailing address on it ( I'm attaching it ). 

In between XX/XX/XXXX and XX/XX/XXXX I learn that there is a minimum the consumer must not have frozen from them. 

On XX/XX/XXXX, trying to track down the possible mailing of a check, not knowing how to get it, I call Bank of America customer service and discover that this has happened, when speaking with the BoA legal order team. There was no other notification that a check existed other than the check itself. 

The legal order team told me I had to wait 90 days from that point, for a new check to be issued. ( I'm unemployed and no longer collecting unemployment ) I need access to the XXXX and should not have to wait another 90 days, and be left with XXXX dollars until then. 

The check that was mailed has not been cashed/deposited, according to the BoA customer service XXXX I called customer service again on XX/XX/XXXX, and that check has still been deposited/cashed by no one.

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 2023-03-08
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 explanation
Consumer complaint received 2022-11-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An XX/XX/XXXX payment to Comenity Bank was not applied correctly and as a result compounding interest + late fee was assesssed. The current total of fees and interest is below. 

XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX ( late fee ) XXXX Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX total I sent the following message to their customer service on XX/XX/XXXX : XXXX XXXX XXXX returned funds to my account due to the payment on XX/XX/XXXX being REFUSED by Comenity Bank. In reviewing the billpay information for Comenity, I discovered that the account that is listed is no longer current. The number listed was the original account number when the account was opened. On or about XX/XX/XXXX, the account number changed. Regardless, Comenity Bank continued to accept the payment for exactly 6 years. For the month of XXXX this year, your system refused the payment. 

My response to this situation is this. If your bank no longer accepts payment for this account number, particularly after a period of 6 years, it is your responsibility as an upstanding business to notify the consumer in writing. I received no communication either through US Mail or via email of the update in policy. 

I submitted proof of payment from my bank that the payment was made on XX/XX/XXXX. 

They have yet to resolve and continue to assess interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: TOWNE MORTGAGE COMPANY
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: Information is missing that should be on the report

Complaint:
In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.

I am very concerned about this because it is affecting my credit score negatively. 

Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me. 

Looking forward to hearing from you. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation