BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my report recently and noticed that you did not remove it. Why is that? 

Ally Financial Inquiry from XX/XX/2019 It appears to me that you don't care about my rights and my creditworthiness.

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 2020-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About 3 months ago Portfolio Recovery called my cell phone. I asked then the date the debt occurred. I was in 2008 ( 12 years ago ). I told them is was past the statute of limitations and to cease calling me. They tried to get me to settle and promised not to ding my credit report. I already knew the account had fallen off. They continued to try to settle the account. They did not call back for several months. 

Last week, I received a call again. I asked not to be contacted again and I asked for the address to send something in writing. The call was terminated before I got the information. 

I received another call today from a local number XXXX XXXX XXXX XXXX. Again I asked them to cease and desist. I got an address to send a cease and desist in writing. This debt is over 12 years old. In fact, I have established new credit with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I already filed the dispute from FTC report and filed the police report on authorized but the hard inquiries are still remaining only on Transunion XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2019-11-08
Company: Mercedes Benz Financial Services
State: NY
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:
I selected a new vehicle to lease and completed all required paperwork on XX/XX/2019 at which time my credit was run with no issue. I went to XXXX on XX/XX/2019 to complete the transaction and pick up my car. Upon reviewing the lease agreement I found that my information regarding my address had been changed without my knowledge and was the incorrect address. The Credit Manager at XXXX informed me that my credit was run a second time, without my authorization, right before I came down to the dealership to pick up my car due to the the fact that he changed my address on file. I requested that he contact the credit bureau ( XXXX  ) to rectify this and was informed he would follow up with me. I never heard from the Credit Manager at XXXX so I followed up with the General Manager on XX/XX/2019 via email who got back to me on XX/XX/2019 and informed me he would look into it and remove the unauthorized and incorrect credit inquiry from my report on XX/XX/2019. The General Manager followed up via email on XX/XX/2019 that he was still working with the credit department. I followed back up on XX/XX/2019 and XX/XX/2019 with no response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

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 2018-10-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been paying into our escrow per our payment plan. We received a letter in the mail today from the Fiscal Officer County Of XXXX XX/XX/2018 that our taxes have not been paid and that our house is subject to foreclosure on XXXX.There is plenty of money in our escrow account. Wells Fargo failed to pay our taxes from escrow for the first half of 2018. 

I have contact the company today XX/XX/2018. They stated there is nothing they can do until Monday XX/XX/2018 when a case can be open. I spoke to XXXX XXXX at the Executive Office.I also spoke with XXXX and XXXX during this call. We will be faxing this information in tomorrow morning for written confirmation.

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 2017-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is my mortgage company I resive a letter from them today about missing XXXX  payment I call my loan company every time I called I have to put my account number and usually send me to a different person but regular costumer services person and he or she never answered my call or returned my calls I try diferente way today XXXX XXXX and it did work I spoke to a person his name is XXXX XXXX and he explained to me what 's going on around the beginning of XXXX bank of america gave me a called loan modification as you already know force me to sign through the court I was n't agreed of all the contest I have no choice but sign their called loan modification based on my income of my XXXX payment was affordable {$1400.00} more or less 3 mouths into the new loan modification they started to send me papers that I was behind my escrow went up I called but as I said no answer no calls back that right there started to make my mind more crazy because they already taken advantage of me their lawyer sending me his explanation the first was that I signed a contract with them second that I did a bankruptcy that 's only some of the excuses that I remember now but they are a lot more I stated that I 'm in XXXX  and my income is limited but I managed to make my payments on XXXX I make 3 payment that they stole or missed but thais the firs excuse for not getting the harp program their fraudulent tactics are this way same as what they are doing now they are saying that I missed a payment in their loan modification they put a bill of XXXXmy house was worth the most {$140000.00} they put all their expenses from lawyers court fees they claimed that the house have been watch another fee every little fee they can put they did $ XXXXthe new loan modification but could n't take money from the escrow because in their new contact they would started again to build a new charge for the escrow XXXX told me that in XX/XX/XXXX they have a shortage of escrow again so my payments of that mouth they applied it to my escrow as I said they took my XXXX payment to pay their called escrow shortage so they can say that Im late or i have n't make my payments of XXXX XXXX this c is a fraud to me because when they said there was a escrow shortage they started to rise my payments from {$1400.00} to {$1500.00} they said they would charge extra until I get my shortage fix my new payment is {$16.00} 01 and again thay said my escrow to blamed for the increase my home insurance stay the same my home taxes when up {$300.00} sinse my loan modification they started again to make my life miserable I hope there is a lawyer can help me bank of america is a fraud and in tired of being taken advantage of becouse my limited income coming from my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Professional Collectors Corp.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX  XXXX XXXX Amount {$1400.00} XXXX XXXX XXXX Amount {$1700.00} Both are medical bills and have been pass to 3rd party collectors that I didn't authorize them to obtain my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. The companies are listed below XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts are highlighted in the attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why is XXXX still showing on my credit report still. It has been on my report for over 7 years and it is fully paid. It needs to be removed as policy states. I have put in a dispute to have removed and it was said dispute has been resolved but nothing has changed on credit report still looks the same.

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 2019-11-08
Company: ZWICKER & ASSOCIATES
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : XXXX XXXX and their debt collection department Zwicker & Associate are not providing the account numbers for my three credit cards. 

Issue : 1 ) XXXX XXXX removed Auto pay access from the three credit card account. 
2 ) XXXX XXXX & Zwicker & Associate refusing to provide account numbers for my three credit cards. I have the right to know my account numbers. 
3 ) The monthly XXXX XXXX statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to XXXX XXXX on XX/XX/2019 around XXXX XXXX  at XXXX and they referred me to debt collection department Zwicker & Associate. XXXX XXXX representative told me to call at XXXX which is the debt collector Zwicker & Associate. I called Zwicker & Associate and they referred me back to XXXX XXXX and refused to provide the three account numbers for which debt is owed. Zwicker & Associate said XXXX XXXX had instructed them not to provide to the customer. I contacted XXXX XXXX again and this time the representative hang up the call and didn't provide the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WayPoint Resource Group ( WRG ) has placed a collections account on all three of my credit reports, XXXX, XXXX and XXXX. I have never received a letter from WRG concerning this alleged debt via US Postal mail which is required by law. WRG stated in the collections entries that this debt is from XXXX. I am a current XXXX customer and I only recently started my service with XXXX at the beginning of XXXX. Before my current XXXX Subscription, the last time I was a XXXX customer was in XXXX. I did not have service with XXXX in XXXX  as WRG has stated in my credit reports. At the end of that service in XXXX, all my services were paid for and XXXX has never contacted to the contrary. If I owed XXXX for rendered services, they could have notified me when I regained service at the beginning of XXXX.

WRG has essentially submitted a fraudulent entry on all three of my credit reports concerning the validity of the debt. First, WRG did not correctly notify me before placing the entry on my credit report. Second, WRG notated that this debt was reported to me in XXXX. Again, I was not a XXXXXX/XX/XXXX customer in XXXX. This information is false and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern, I will lay out my complaint so it is very clear on what action needs to be taken. 

My Request : - Do not deduct {$1700.00} from my account that you claim was temporarily credited to my account for claim XXXX as stated in your letter dated XX/XX/23. 

High Level Reasoning Why You Shouldnt Reverse : - Wells Fargo never credited me {$1700.00} for claim XXXX or any other claim. I have attached supporting letters and images showing credit and deduction history for claims and letters. 

Detailed Reasoning : Please see below for timeline of events and evidence that any provisional credits in my account were removed as of XX/XX/23 leaving Claim XXXX closed. 
- On XX/XX/23 I disputed {$4900.00} in charges opening up claim XXXX. 
- On XX/XX/23 I received a provisional credit for claim XXXX in the amount of {$4900.00}. 
- On XX/XX/23 I disputed {$6900.00} in charges opening up claim XXXX - On XX/XX/23 I received a letter from Wells Fargo that said claim XXXX was being merged into claim XXXX and being treated as one claim for a total of {$11000.00} ( $ XXXX {$6900.00} ) - On XX/XX/23 I received a letter from Wells Fargo that said the provisional credit of {$4900.00} that was applied to my account for claim XXXX on XX/XX/23 would be deducted out of my account on XX/XX/23. 
- On XX/XX/23 I received a letter from Wells Fargo that said the {$6900.00} in charges were deemed valid and claim closed. ( NOTE no credits for these charges were ever made ) - On XX/XX/23 I received a letter from Wells Fargo that said for Claim XXXX they would be deducting the {$1700.00} temporarily credited to my account from my account on XX/XX/23. ( CRITICAL NOTE NO TEMPORARY CREDIT OF {$1700.00} was ever applied to my account ) - On XX/XX/23 Wells Fargo deducted {$4900.00} from my account. Leaving claim XXXX with a net {$0.00} balance ( Provisional Credits Deduction of Provisional Credit ) In conclusion, I am respectfully requesting Wells Fargo to admit their error in sending the letter on XX/XX/23 and to not deduct {$1700.00} from my checking account because there is no basis to. This would cause undue hardship to me and my XXXX children under XXXX. I request all communication regarding this claim be done through CFPB or written communication to protect my rights.

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been reaching out to Bank of America for over at least two months regarding the closing on my savings and checking account with an amount over {$20000.00} and I am not getting a response from the company they wont give me any information regarding the account closure Ive called multiple times talked over 20 people. I asked him whats the status of the closure they cant give me any information. We are currently in a pandemic and this should not be legal for a bank to hold your money hostage for over two months and not give you any 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 monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my most recent credit report on XX/XX/19. I noticed a collection from ARS resolution for XXXX and XXXX $ that does not belong to me. This account is from Ohio i moved from ohio 8  years ago and i have free health insurance from the government i have provided proof below. This company never once sent me a letter letting me know my right under the fair credit reporting act to dispute, that is a violation of the debt collection act. I will not pay this account if i am not provided an original contract bearing my signature not a bill those are easily made. They have been reporting this false information on my credit report. I called the original creditor that is listed on my credit report they dont even have an original contract so how can this company collect on this debt with no contract. They are just trying to get money from me.

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 2020-12-02
Company: Global Lending Services LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a credit score of XXXX. Quicken Loans was my initial mortgage company also. I informed Quicken that I was going to refinance and they offered me refinancing on XX/XX/XXXX to stay with them. I completed application, and provided all documents timely, and almost all documents required, I provided either same or next day. Initially, they promised to pay {$1400.00} of the points, but in the closing disclosure, they changed it to {$920.00}. I tried constantly to change it, but they wouldn't do it. I contacted XXXX on several occasions, and he told me that I should just pay it to avoid delay. I was ready to close since XX/XX/XXXX, and wanted to avoid paying another mortgage payment ( the whole idea was to reduce my monthly P & I from XXXX to XXXX ). I had to make a payment because of their unnecessary delays and incompetence. I lost {$1000.00} as a result of their delays. Please help me in resolving this issue.

Company response to consumer: Closed with explanation