BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, This complaint is for Experian regarding the FRAUDULENT ACCOUNT XXXX XXXX XXXX Simple ( account number XXXX ) that has been placed on my credit report illegally. I have never done business with ( XXXX XXXX XXXX and this account must be removed because it is made my life extremely difficult. By being stuck with higher interest rates, fewer loan options, and also hindered my housing. I need it removed immediately. I have contact Experian 30 days ago to remove this account and Experian have no responded back to me about this matter that holding me back to prosper in my life that should not be there in the first place. Legally they are obligated to respond within 30 days and Experian have not done so. The XXXX account in question have been opened at the time I lost my wallet and many other forms of identification. This is Identity Theft. I would highly appreciate if CFPB assist in getting this fraudulent account removed so I can get back to my life as it were before the traumatic incident. 
Thanks

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 2018-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Re : Wells Fargo Mortgage XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Plaintiff : XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX After reviewing the XXXX County Records, I have noticed that the original lender XXXX XXXX XXXX did not record an assignment of mortgage with the first assignment of mortgage being with XXXX XXXX and no records with XXXX County records of Florida indicated or recorded or are found stipulating that XXXX XXXX was assigned to Wells Fargo from the conception or origination of the loan dating as far back as XX/XX/XXXX not to be found. 

Wells Fargo sold the mortgage to XXXX for well below the remaining amount of the principal note up to 50 % less than XXXX on a bid agreed between both parties which may also include no transfer of such funds just conjured paper work covering the hidden negotiations of transactions. Then we have a new assignee XXXX XXXX XXXX who decide to had over XXXX on a fraudulent loan. Considering the facts that you take a principal loan balance and you multiply it by 3 your new servicer is asking XXXX And you claim to help people your actions and recorded documents show exactly what kind of organization you run and promote, no wonder thousands of people who deal with Wells Fargo close their accounts daily, may you find Justice during the course of everything you forged against me, and every time you delayed and dejected the reasonable offers I made to solve the problem that you have caused. 



Sincerely 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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We are currently trying to refinance our mortgages. We just found out that Bank of America shows that our acct is charged off ( Acct # XXXX ) We had fell behind, a while ago, but set up payment arrangements with them, and the ACH our payments out each month. We have never received any info on a " charge off '' and currently paying them each month. We also show them still on our title, and they have a lien on our property still.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for litigation.

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 2021-06-28
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial LLC is my home mortgage company. Every year Ditech send me an ESCROW Refund due to overage then immediately go up on my mortgage payment due to insufficient amount in escrow account. They are running some sort of scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Boost is not reporting my rent payments. I have linked my XXXX XXXX XXXX XXXX account to the Experian online and I do not see my rent payments counting toward increasing my score. Experian has also discriminated against me for many years by not allowing me to access my credit report despite sending my information to them. Furthermore, due to Experian not correctly reporting my credit usage my credit score is low. If this is not remediated immediately I will pursue legal action. I have done everything to prove my identity and I was a victim of Identity theft by compromised XXXX XXXX XXXX XXXX as well as XXXX leaking my information to other people. My phone keeps getting spam messages from phony companies. IF this is not dealt with immediately I will pursue legal action.

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 2020-07-30
Company: M&T BANK CORPORATION
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: Account status incorrect

Complaint:
I had a mortgage with XXXX XXXXXXXX XXXX that was late and I used a federal home loan modification program to refinance with M & T bank. I have never been late with the M & T bank mortgage. My XXXX  report shows that I have been on time but XXXX  and XXXX  show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.

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 2019-04-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/19 I went to court and Midland funding offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: NV
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 have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in contact with XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on Nissans end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no GAP. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with Finance Director, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with Nissan automatically come with GAP insurance. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all Nissan leases in California DO come with GAP. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by Nissan. XXXX says they paid out Nissan when Nissan requested the amount in XX/XX/XXXX when the car was totaled, and that if Nissan believes that XXXX owes them money, then Nissan is the one who needs to contact XXXX to fix this instead of taking me to collections. Nissan states a deductible was not paid, XXXX says it was paid. Nissan needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to Transunion via certified mail and by phone. By phone on XX/XX/XXXX informing them I was a victim of their Inquiry issue and that the inquiries listed below did not belong to me and need to be deleted immediately. They told Me there was nothing they could do and lied to me about being affected by the inquiry issue I ask that you follow the FCRA 611 and remove this unlawful added information off my report. 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also sent a certified letter to TransUnion on XX/XX/XXXX to dispute & demand Removal of many negative items from my report due to identity theft and the revived my letter and signed for it, as I have proof on XX/XX/XXXX I called and spoke to a manager two times and they refused to delete the items even though its been over 45days since I reached out to them and got no response they lied and said they go nothing but XXXX XXXX signed for it at XXXX on XX/XX/XXXX the USPS said two signatures were given one at XXXX XXXX  XXXX and second was by XXXX. XXXX later that day. Ill include photos of the receipt delivery signature and confirmation from USPS Im going to peruse legal action against TRANS UNION if My demands for removal of the negative items in my dispute are not met IMMEDIATELY. I again paid for out of my pocket more money to send another certified sign upon delivery dispute containing the original Dispute & proof it was delivered. Please look at the dispute and see the collection accounts and miss reported information on my report that needs to be removed and please give me the right I deserve and make them share 100 % accurate information about me not 98 % 22 % or 0 % but 100 % true & accurate information. 
Thank you 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 2019-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotional offer 0 interest rate for balance transfer with Chase. 
The amount transferred was XXXX and charged XXXX dollars for transfer fee. on my first bill the minimum payment was XXXX dollars, I paid XXXX dollars they charged me for the next billing cycle {$5.00} arguing that the transfer fee was added as purchase and for that reason was charged with interest fee on my bill. I argued I pay more than minimum they never explained that to avoid any charges I will have to pay in the next build the {$5200.00}, I told them that is false advertisement because I will always have to pay 21 % interest if I have to use the card even if I paid the entire purchase item for next bill. 
at the end they are explaining something after they are charging me with something they added to my account is transfer fee no a purchase. below is their answer. 
I am closing all my accounts with Chase. I had balance transfer before it was not like that. looks like is a new practice. 

From Chase : XXXX, here 's what happens when you take advantage of a balance transfer offer : - You'll have a new promotional balance on your account. 
- As a result, you lose your interest-free period, also called your grace period, on new purchases unless you pay your entire balance in full each month. This includes any promotional balances that you added by using the offer. 
- New purchases include any fees added to your purchase balance, such as an annual fee, if it applies to your account. 
- You receive the promotional rate on balances you add to your account using the offer, but you will pay interest on your new purchases. 

We received your payment of {$510.00} on XX/XX/XXXX. We charged you {$5.00} in interest on the purchase balance. 

When you make payment towards the account, it will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will be applied to any current activity balance on the account. 

If you pay your minimum payment, generally, it will be allocated towards the - First balances with the lowest APR - Then balances with the highest APR Any payment amount above your minimum payment will be allocated like this : - First towards balances carrying the highest APR - Then towards balances with the lowest APR If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. 

If you have two balances carrying a promotional APR at the same rate and expire at the same time, the promotion that posted to the account first will be paid first. 

Here 's your current annual percentage rate ( APR ) and the balances : - {$310.00} at 21.49 % variable for purchases - {$4600.00} at 0.00 %, good until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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