BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The inquires on this report are in correct and in direct violation of USC 1692G & USC 1692J : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2019-03-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BBVA Compass has charged a total of 62 Non-Sufficient Funds each for {$32.00} on our XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX. These fees are invalid and outside of the fee schedule received at account opening. Fees have been charged on transactions that did not overdraw the account as well as transactions that were refunded by merchant. BBVA Compass has since refunded only 10 of these fees. There are {$1600.00} in NSF fees outstanding that BBVA has not reversed. Out of these {$1600.00} in NSF fees, BBVA has  furthermore charged 14 NSF fees for transactions that did not leave the account with a negative balance as well as refunded ones. The invalid fees have been brought to the attention of XXXX XXXX, branch manager at BBVA Compass in XXXX, CA. XXXX XXXX contends that these fees are fair and just and in accordance with the BBVA Compass fee schedule. All communications, bank statements and the BBVA CompasXXXX fee schedule have been attached with this complaint. The Bank Manager 's contact information is provided below. 

XXXX XXXX Branch Retail Executive- XXXX XXXX CA NMLS # XXXX XXXX : XXXX Fax : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The inquires on this report are in correct and in direct violation of USC 1692G & USC 1692J : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX I sent a letter regarding an accurate 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 ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Approximately 10 years ago I helped a family member secure the mortgage on her property in XXXX XXXX, Fla. The original Bank was XXXX and is now Wells Fargo. I was to be a " back-up '' instead the mortgage is now on my property here in XXXX and she refuses to pay when she promised she would, to the tune of {$240000.00}. The Bank sent her the check and she signed my name. They have conveniently, misplaced the check. They said the time limit was up. My complaint is that they are refusing to give me a modification. I would like to know why. I am a senior citizen, and at this rate I am having a difficult time paying down the principal. The interest payment alone is {$900.00}. every month. Can you help me. Thank You 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 2021-03-01
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Credit Karma, LLC
State: KY
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:
My name is XXXX XXXX, ssn is XXXX birth date is XX/XX/01 My only two known addresses since turning XXXX are XXXX XXXX XXXX XXXX XXXX, ky XXXX And XXXX XXXX  XXXX XXXX XXXX, ky XXXX. 
I've tried every credit union I know they all say something along the lines of " file does not match with the credit bureau 's records '' I'm just not sure where else I could be going wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Upstart Holdings, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I open an account with upstart finance back in XX/XX/XXXX, the loan has since been paid off in XXXX, I called Upstart to request a pain in full letter from them, I spoke to several customer service agents, at XXXX, I was told that it takes XXXX hours to get a letter sent out via e-mail, that they would have to put in a request to their back office. I asked them why it takes XXXX hours to have a letter sent via e-mail. the customer service agent said that was their policy, I called them on XXXX the XXXX, as well as on XX/XX/XXXX. I have not been able to receive a letter of account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX/XXXX  Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is showing the two following accounts on my credit ; XXXX XXXX XXXX Account XXXX and MIDLAND FUNDING Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. 

Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. 

Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX # XXXX, 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 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 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLTUIONS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the Jacob Law Group , PLLC, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SPS has purchased and serviced my two mortgages for MANY years now. The 1st mortgage was paid via auto deduction monthly. Never has a payment been missed. The 2nd mortgage was paid for monthly via a manual prices in the amount of $ XXXX $ XXXX monthly. Never has a monthly payment been missed. 

Recently attempted to refinance however was declined specifically for the condition of my second loan which currently doesnt show a clean payment history through to current and also doesnt appear on my credit report. 

Roughly six months ago received a re modification package from SPS on the second mortgage. I called to discuss the refinance process about to occur and asked about how to proceed considering. I was advised to not execute the modification and continue making my payments. 

About four months into the refinance process we switched lenders due to how long it was taken. It wasnt until this switch that we discovered that while SPS was still accepting and applying my payments, that they were actually accruing money and not applying. Of the last four months, the last months payment of {$220.00} was rejected and returned while the previous three months of {$720.00} were collected, half but not applied. 

No communication. No guidance. It wasnt until a phone call earlier this month that i I was advised the loan matured in 2017 ( still they accepted and applied my payments ) and until just recently, stopped. They have not been able to supply a reason and have not been willing to work with myself or my current lender.

I have submitted a dispute, have applied for re modification with them and have submitted this complaint to you as well.

Income and credit score are superb. The only thing preventing me from bettering my families mortgage position is the handling of this loan with SPS. 

I feel like Ive been misled, have not been communicated to with any true or clear effectiveness and am now stuck likely having a budget impact of a {$600.00} swing in the negative monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2017-03-29
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2021 Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called transunion numerous times to have these inquiries removed. Remove these unauthorized inquiries immediately. I never consented.

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 2019-01-16
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I submitted multiple disputes against XXXX XXXX XXXX XXXX totaling XXXX. I paid for wedding services that was not rendered. I learned two weeks before the wedding that my vendors who were contracted by this company were not payed. South State gave a provisional credit as well. During the investigation process, I called twice checking on the claim and no additional information was needed because I had sent over all invoices paid, police report, contract, letters from Vendors indicating they were not paid etc. Someone reached out to me from Southstate in the fraud department on XX/XX/2018, asking if I contacted the company and I explained I contacted the company on multiple occasions and didnt get a response. So I asked did they get in touch with her, I was told no. Unfortunately, I received two letters a month later stating : I was denied and they took back the credit saying, they determined no error occurred and they were denying because the merchant provided proof of authorization. I was previously told they couldnt reach her. I emailed all the information from my account online as they requested. I was never asked for additional documentation Granted I sent copies of contracts, invoices, budget sheet, vendor letters showing I made payments and the letters from vendors stating they were not paid. Along with a police report. How was there no error ... .This company did not pay any of the vendors and did not show up for my wedding on XX/XX/2018. 
My denial letter said I could request copies of documents they relied on if any existed. Why yes, I called several times requesting those documents and never received them. You cant speak directly to a dispute representative they have to call you back. Never received a call back after several attempts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
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 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 2023-07-23
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief