BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my 3rd complaint this year ( see ID # XXXX ), and I still can not get Equifax to send me a copy of my credit report. My most recent request was sent via US mail to Equifax 's Corp. VP & Chief Legal Officer, Certified Mail/Return Receipt and Equifax signed for it on XXXX/XXXX/21 at XXXX. I've waited this additional 2 months to give them more than enough time to respond, and I've been trying to get them to respond to my numerous requests since XX/XX/XXXX! Equifax sent me my credit report back in XXXX, so they certainly have it despite their claim to not be able to locate one in my name. Obviously a confirming contact with even their Chief Legal Officer ended up yet another futile attempt. I have NO problem whatsoever getting my credit report from the other 2 national credit bureaus - including online, which Equifax refuses to do despite several online requests as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I XXXX  XXXX my cking account thought ihad XXXX XXXX  but was unaware of my over draft they did not contract me for many months they could of called i have a land line first notice was a forclosure notice i donot have wifi or internet or a computer

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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

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 2021-06-04
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: M&T BANK CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mother is XXXX XXXX XXXX. Her account was compromised due to fraud. A detective from M & T bank contacted me in XX/XX/XXXX to tell me there was money being laundered from her account. My mother took out credit cards to pay the thieves from her account.. The tellers at the bank allowed an XXXX XXXX XXXX women take out credit cards totaling approximately {$11000.00}. M & T was aware of my mothers financial status. She is now in {$11000.00} debit to M & T bank. I believe M & T has predatory lending practices and we would like to have the credit cards discharged. She has already paid approximately {$3500.00} in credit card bills to M & T. 
I have contacted M & T on numerous occasions XXXX, XXXX and recently in XXXX. I have called on behalf of my mother and the matter has not been resolved. 

Your attention to this matter would be appreciated. 

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 2017-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Portfolio Recovery XXXX XXXX ( XXXX XXXX around the 1st week in XXXX about an debt I allegedly owed from XXXX Bank. I filled Bankruptcy in XXXX of XXXX and I am unaware if the trustee made any payments on this account so I sent XXXX a letter dated XXXX XXXX XXXX asking them to validate that they owned the debt and any documentation that would support their claim. They sent me statements from XXXX bank showing that it was my account but the final statement in XXXX of XXXX was not the amount they were trying to collect. In XXXX XXXX bank shows they credited my account {$580.00} so the amount owed should of been after credits is {$2100.00} XXXX is trying to collect the XXXX balance from XXXX of {$2700.00}. The account was charged off in XXXX of XXXX not XXXX. And this was the paperwork XXXX sent me. They have been incorrectly reporting this account for the past year. I live in XXXX and the states usury laws caps at 9 % for XXXX off Credit Card debt even at 9 % the amount owed is not {$2700.00}. 
XXXX has been reporting this amount to all 3 credit bureaus. I have disputed this account to all 3 credit bureaus and contacted my state Attorney General XXXX XXXX complaint number XXXX dated XXXX XXXX XXXX. I am asking that XXXX suspend all collection activity and delete this file from all 3 credit bureaus and we resolve this issue. I am willing to pay XXXX 9 % over the cost of the debt from the date they acquired the debt. Since they are continuing reporting the wrong amount owed on the debt. I have no other option to but to seek legal action action after this compliant if this can not be resolved. XXXX never sent me documentation that they even know the own the debt and how much they paid for the debt. I need this information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I was a customer of America Express for almost 15 years. 14 yrs 5months. My card was at a zero balance for well over a year. My credit score is higher now than when my card was issued. My card was  canceled with out any communication. A letter or notice was not sent or received as the rep stated and no phone call or any communication at all. My card was cancelled without notice. It makes no sense. Its ridiculous to cancel a card of a long time client who has a better credit profile now than when I became a client. Especially without notice. As a banker this does not sit well. This should be updated as closed by customer as I wanted to do over a year ago! This is the worst possible service you can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was accessed from chime over XXXX was used of my money I submitted a claim that was denied again.i put in a rebuttal and it was denied I have police reports and proof I was incarcerated between the dates of XX/XX/2021 until XX/XX/XXXX XXXX purchases made were fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : 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.

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 2023-01-07
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mutual of Omaha did not include my home insurance in my escrow when they transferred my mortgage to the new servicer as I requested and paid for. They recently included only my property tax before they transferred the mortgage to another carrier from my previous complaint. As a result, it created a deficit in my escrow analysis that has fouled up my payment amount with my current carrier that they transferred me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # xxxx # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # xxxx # # / open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, Experian, XXXX and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of 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 2017-03-07
Company: CreditGUARD of America, Inc.
State: TN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I contracted with Credit Guard to help me to pay off a dental bill along with some credit card bills. Credit Guard had stated the they would pay off the bill in full along with some other credit cards. I would pay {$93.00} a month for 36 months. I was at my dentist office today and they were not paid in full as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 checked my credit history with Transunion and noticed it have inquiries that wasnt authorized by me. I called customer service and they would not help and take care of the negative inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I wrote letters to multiply debt collectors NCA, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/ Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$390000.00}, XXXXXXXX XXXX XXXX  XXXX Open Date XXXX XXXX XXXX Balance : {$280000.00}

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 non-monetary relief
Consumer complaint received 2020-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, This complaint is against AMERISAVE MORTGAGE COMPANY. 

I started the home refinance process on Wed, XX/XX/XXXX, at XXXX XXXX. I paid Amerisave Mortgage Company a XXXX $ application fee, and an assumed XXXX $ fee for their " appraisal '' process ( which came back surprisingly low. ). I was told by the Amerisave company that this valuation being lower than what I estimated during my application will have an impact on how much I will pay to cover the costs at closing. Imagine thus my surprise, when I was initially told that I would not incur any fees beside the application fee in the beginning. 

Today is XXXX, XXXX, XXXX, at XXXX XXXX, and I have not heard from them. No customer service, nothing to actually comfort me, nothing. 

Yet, they send me unsolicited robot messages, they don't answer to my phone calls, XXXX, and they reply to my emails arbitrarily. Above all, I don't even have access to my application on their portal. They ask me to download/upload documents on a portal I don't have access to. They never fixed it, and I don't believe they even care. 

See, these people baited me into believing that they had the best rates to refinance. Well they did at the time, and the numbers looked great. However, no refinance takes more than 4 months. 

" We have to create an escrow account for you to cover taxes and insurance so we take 6 months worth of your escrow and that gets rolled into the loan so your current lender will cut you a check and refund you what you have in your escrow account with them after we close. '' was the last useful message I got from these people on Fri, XX/XX/XXXX, XXXX XXXX. 

Everything seems dead there - and due to the lack of visibility I am filing this complaint. I also saw evidence of class actions against this same company in the past, and it does not comfort me at all. There is a strong presumption that they could still be involved in deceitful, harmful and unlawful practices. 

I hope it makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, Equifax and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CL Holdings LLC
State: CO
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:
This account is not my account. I have previously disputed this account and it was removed. Then was later added back. My identity has been stolen multiple times. Around the same time this account was open there was approximately four other cell phone accounts, open and a three month period. Obviously fraud. I previously asked them to send me a debt validation letter in the mail and they sent me a bill. They can not provide me with my whole Social Security number, and they have the original address on the original account incorrect. Wrong apartment number. Id like this removed from your credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My complaint is with Procollect. They have falsely added late payments to my credit profile. In good faith, I paid off a debt with them around XXXX. The debit was for a leftover balance for pest control, not rent. The debt holder was XXXX XXXX. Even though the charges were false and I never signed for this debit. I paid to get it off my credit. So I could get an apartment. Pro Collect has violated my rights by adding false late payment history after the fact of I paid them. This has severely hurt my credit. Because of their false reporting, I have been denied a place to live. To say I have a late payment history with them is to say I had a payment plan or a planned scheduled payment date. There was never a plan or payment date in place. This is and was false information added to my report after the fact of paying my debit off. Please help me get these late payments taken off as quickly as possible. Thank you

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