BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am in disagreement with the items listed in my attachment, in my personal dispute below which still appears on my credit report, even after the credit bureaus Investigation. I would like these items immediately re-investigated. I would Like the credit bureau to actually investigate my claims and delete all accounts I have listed in dispute for they all have errors affecting my report. If accounts are verified, please send me proof of verification, as to who you spoke with, company name and address. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to mobile deposit a XXXX XXXX XXXX payroll check in the amount of XXXX, into my Bank of America Checking account. I was assured when calling Bank of America that funds would be available the next day after XXXX. The next day the funds did not show. I called Bank of America again on XX/XX/XXXX and was told there was a 9 day hold on my deposited funds. I have no funds available and my entire pay check is being held. The second rep I spoke to on XX/XX/XXXX, advised me to commit fraud and attempt to cash the paper check even though I had mobile deposited it and was told they could not cancel a deposit. After speaking with a supervisor I was informed that they would NOT call and verify payroll funds with XXXX XXXX XXXX and I would just need to wait for the funds to release over a week later. My check was deposited XX/XX/XXXX and I'm told it won't be available until XX/XX/XXXX. The check plainly says Payroll. 
This is my rent, my electricity, water, and my cable all LATE by a week because they don't want to call. Then you advise I commit fraud? Really?! Something has to be done to release my funds. I will loose my home. 9 days is too long when the telephone number to verify is printed on my payroll check.

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 2020-01-15
Company: EQUIFAX, INC.
State: GA
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was for sale and the sale fell through 2 days prior. I had already moved and was 2 months behind. I paid my mortgage payment at 4 months past due and Wells Fargo returned it and didn't apply it to my loan. I called prior several times to work with agents on a repayment plan. When the payment was returned I was told it wasn't in foreclosure and began the paperwork for home retention. I also submitted two payments. Both were held and after I returned the paperwork for home retention the bank started the foreclosure process. I had decided to keep my home and move back in but with all of the difficulty with the bank I relisted it and got an offer on my home to close in a month. I've called Wells Fargo several times and advised them of the closing date. Each time they say a new agent is assigned. That person of the day is usually not available so I speak with whoever is. I told them for the 4th time the house is sold. They say they weren't aware. I'm also trying to get a payoff quote and they will not send it. I filed for mediation and have until the end of XX/XX/XXXX to complete that. Wells Fargo is continuing to charge me fees, hold my payments without applying them and refusing to generate a payoff quote. My home is supposed to close in 6 days! I will after this close all of my accounts with them.

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 2020-01-15
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our house in XX/XX/XXXX the Assignment of Deed of Trust was signed on XX/XX/XXXX but was not recorded until XX/XX/XXXX. The closing date on the trust that the mortgage was put into closed on XX/XX/XXXX and that makes it that the assignment was not recorded in the right time frame for the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Lockhart, Morris & Montgomery Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2019 I singed a employment contract with my ex employer, ( XXXX XXXX ) in which I upheld to the terms of the contract, but the contract was not forfilled by the company, and now they put it on my credit report. I am currently trying to sue this company for several reasons as a result of this unfair business practices, reguarding this unfair contract but I have yet to find a attorney to represent me. I have also tried disputing this from off my credit report with no success.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are 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 delete them immediately in my 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 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 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 explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
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  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions. 

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 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A month before my initial payment was due, I asked the loan servicer ( Aidvantage ) to defer two parent PLUS loans while my XXXX was in school. After I submitted the form, I was told I would get an email confirmation and decision within 14 days. Six weeks later ( and three attempts later ), I have heard nothing from the service. It has not responded to email, and its customer service " call me back '' service has no available times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot 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 2020-01-15
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is more of a letter to CFPB. I have filed complaints for the last 8 yrs. and CFPB has done nothing. After 8yrs. with OCWEN and XXXX XXXX XXXX XXXX. and, after all the lies, stealing, and cheating and a Judge that was just too tired to hear my case - OCWEN and XXXX XXXX. have managed to get my case thrown out. Mainly because even though Ocwen and XXXX XXXX. they have lied, stolen and cheated me personally and others nationwide, even though what they did was unlawful and morally wrong the law was on their side. And as many times I sought help from CFPB - you did nothing on my behalf or anyone else. I'm not bitter. I am a formidable opponent. My hats off to Ocwen and XXXX  XXXX  XXXX   XXXX. They had to spend 8 yrs and money and has to find a Judge that was willing to go along with them and lie, cheat and steal they were finally able to beat me. Ocwen should have been bankrupt years ago and the CFPB has tried to unsuccessfully to aide in that process and yet has been totally unable to, even though I have been here all along you did not even seek out my assistance or for that matter anyone else who has been ruined by this company. 
Anyway, that's all I have. Because of their corrupt ways I have been ruined. 

In closing I, see no reason for this office to exist. 

Thanks for everything, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I refinanced my through the XXXX XXXX XXXX XXXX in XXXX of 2017 and it is still showing on my credit report that my loan is still open with Ally Financial.

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 2023-02-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a cashiers check and a 7 day business hood was put on it. Per federal government a cashiers check should not be placed on hood in excess of two days since the money is deemed available. The bank never called to verify funds as the number to the financial institution was on check. They have caused great financial distress by making me late with rent. This was a cashiers check not a personal check they labeled the check as doubtful collection when I have never had any fraudulent activity on my account since opening my account they labeled me and held my funds for no apparent reason and still not understands no the excessive hood on a CASHIERS CHECK

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 2019-05-16
Company: Experian Information Solutions Inc.
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 am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 inructions 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: In progress
Consumer complaint received 2020-01-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a request for Verfication of Debt as of this date I've yet to receive a reply. This collection agency uses two seperate agency under the same name but in different states. I sent two seperate certified letter with return receipt requesting validation of this debt. Either company has responded within required time to validate debt. Under the law stipulated the ( 30 ) day policy in which they had to remove this information from my credit profile. I recently was notified by credit bureaus that thy 're adding fees on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
improper use of consumer report. i am a victim of identity theft

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXXXXXX XXXX XXXXXXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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: In progress
Consumer complaint received 2020-01-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.

Company response to consumer: Closed with explanation