BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW Dear Transunion, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors docum
entation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

1, XXXX XXXX Account # : XXXX  2. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX 3. DEPARTMENT OF TREASURY ( XXXX  ) xxxxx XXXX  4. XXXX XXXX account # XXXX** 5. XXXX XXXX XXXX XXXX, IN # # # # # XXXX  6. XXXX XXXX XXXX XXXX**** 7. XXXX XXXX XXXX XXXX XXXX**** 8. 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 2017-08-03
Company: EQUIFAX, INC.
State: AZ
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 wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
On Equifax, one account, security credit services XXXX was deleted for cause, now has reappeared again.this has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions 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:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/13 Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: OneMain Finance Corporation
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold my home. The attorney deposited my proceeds into my bank account at Wells Fargo on XX/XX/2018. Today is XX/XX/2018 and my funds are still not available. I contacted Wells Fargo last Thursday XX/XX/2018 regarding the hold they placed on my funds. I was told the hold would be withdrawn and the funds would be available in a day. When the funds did not become available, I contacted the bank again. 

I am now told it will be tomorrow XX/XX/2018. While I understand a hold on a large deposit, I feel from XX/XX/XXXX until XX/XX/XXXX is beyond reasonable. The money deposited was from an attorney who distributed the money at my home closing. I am purchasing a home and need the funds. Hopefully, the money will be in my account tomorrow - XX/XX/XXXX - but I would appreciate someone looking into this matter. I have been a long time very good customer of Wells Fargo and I do not appreciate what feels like their denial of my money. 

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
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have attempted many times to get a charge removed permanently from my credit card. They refuse to assist me with the process. Sending me letters after the fact. I am the card holder but the refuse to work with me. I know I have rights - the right to be informed in the process and the right to refute findings. Not so. All they want is my money. The charge is bogus and I have made numerous attempts to contact them and they still have not called me back - not once has someone called to mediate this dispute. They send letters with dates that have already expired - none of them signature required. Why can't they take the charge off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
I have contact XXXX XXXX XXXX several times to remove this fraudulent account on my credit profile ( Experian ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within XXXX XXXX XXXX. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. XXXX XXXX XXXX continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that XXXX XXXX XXXX removes this information from the credit agencies immediately. The account that is being requested to be removed is : XXXX   XXXX XXXX Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off.

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 2021-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Bankers  keep putting in charges incorrectly. Im no banker but seems money order charges go under a different fee schedule then with drawls. Attached is evidence of a banker named XXXX who sold me a money order and labeled the fee as a withdrawal. I never signed the withdraw form so Im interested to see if she took XXXX $ from my account anyways. They are blocking me from using my online portal. When I asked for the fee to be waived XXXX lied to her manager stating she asked me to take off my sunglasses and I refused. This is not true. Several of the bankers will make up lies like this to make it look like your being difficult. I was happy to take my glasses off. Nothing to hide. The manager was then rude to me. I notified her of the bank misreporting my funds and she acted like I was trying to get a free money order. 

I explained to her that if I cant trust the bank with my money I needed free money orders to pay my bill. She did not care at all that I reported loss money in my account. One of the rudest woman that doesnt deserve to manage a bank! So she set me up with an appointment to work with XXXX at XXXX on Monday. XXXXll be interested to see if theres an actual XXXX by the way I was treated by rude manager!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not a duplicate request or complaint. 

I made an agreement with " XXXX  XXXX, XXXX '' 's affiliate, " Stoneleigh Recovery Associates ''. The agreement included my promise to remit {$720.00}, payable to " Stoneleigh Recovery Associates '', check # XXXX, dated XX/XX/2019. XXXX  XXXX ' affilate informed me that this payment will be accepted and processed as " payment in full '' for the account they acquired from another lender. 

I was also informed that my credit file with all 3 major credit bureaus, XXXX, XXXX, and XXXX  would be updated to reflect that this account was satisfied and/or deleted. 

The payment was remitted, deposited and the funds have cleared. ( see docs attached, check front and back, check payment confirmation from online account ). 

The collection agency, XXXX  XXXX, XXXX/ Stoneleigh Recovery Associates have defaulted on our agreement. They have not held up their promise, an agreement we made to resolve this debt. As of this moment, the item in question - " XXXX  XXXX, XXXX '' is still being reported as an unpaid collection on my credit files. The item has negatively impacted my ability to secure lending. 

XXXX XXXX, XXXX/Stoneleigh Recovery Associates has intentionally breached our verbal contract agreement, abandoning their commitment after receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MONTH TO MONTH BASIS ON A MEMBERSHIP ACCOUNT FOR A HEALT CLUB, NO CONTRACT, PAY AS YOU GO. 

THE HEALTH CLUB FILE A DISCLOSED AMOUNT TO A CREDITOR TO COME AFTER ME. 

I NO LONGER ATTEND THIS HEALTH CLUB, STOPPED ATTENDING, AND MAYBE TTHREE OR FOUR YEARS LATER IM BEING PERSUID FOR SOMETHING THAT HAS NO CONCRETE FOUNDATION. 

IVE ASK THE CREDITOR FOR A COPY OF MY CONTRACT, AND I WOULD GLADLY PAY THE AMOUNT THAT IS OWED, BUT GUESS WHAT THEIR IS NO CONTRACT. 

THE CREDITOR WANTS ME TO PROVIDE PROOF THAT I DONT OWE, HOW CAN I PRIOF IF ITS A MONTH TO MONTH BASIS WITH NO CONTRACT. 

PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account has been compromised three times by fraudulent XXXX charges. I have had to get a new debit card three times due to the charges. 
XXXX had my Wells Fargo debit card as a form of payment until XX/XX/XXXX. I changed to an XXXX XXXX as my form of payment because I thought it would be a better option. 
On XX/XX/XXXX I got a fraudulent charge of {$13.00} on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX I reported this immediately and was told I had to get a new debit card. I was credited the {$13.00} on XX/XX/XXXX. 
On XX/XX/XXXX I got another fraudulent charge of {$12.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   Once again I called Wells Fargo and was told I had to get a new debit card. 
On XX/XX/XXXX I got a third fraudulent charge of {$14.00} from XXXX on my Wells Fargo debit card. The bank entry was as follows : PURCHASE XXXX   XXXX I called Wells Fargo on XXXX and was told I had to get another card. 

After being fed up with this recurring problem I spent all day on the phone with various parties : 1 ) Wells Fargo - spoke to 3 different people escalating the issue to supervisors. Was told that I needed to contact the merchant and have them opt me out of their Visa Account Updater. 
2 ) XXXX - called XXXX and they had to XXXX what Visa Account Updater was. Gave me VISA 's number and told me it was their responsibility to opt me out as XXXX had no power to opt me out. 
3 ) VISA - called Visa and was told that is was Wells Fargo 's responsibility and they were the only ones who had the authority to control my Visa Account Updater.

4 ) was transferred from VISA back to Wells Fargo and had to start over again at the entry level caller and had to escalate to another supervisor. This supervisor told me that the  merchant XXXX was the one responsible. She even told me that she had the same experience and that XXXX holds on to all credit cards even after they are deactivated and they have the control over the Visa Account Updater and opting out. 
5 ) XXXX - called XXXX back and had to escalate my complaint to a supervisor level. Was told that she had the same problem with Wells Fargo and had to get a new Wells Fargo account because once you have a debit card attached to an account the credit card gets followed around by a merchant such as 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 2021-01-30
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: Was not notified of investigation status or results

Complaint:
I've sent multiple letters to XXXX, XXXX  and Transunion, since XX/XX/2020 about this collection account on my report. I have not received a response and the account has not been deleted from my credit report. I believe a failure to investigate inaccurate items on my credit report allow for them to be immediately removed. Please assist me in this matter so that i do not 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 2021-03-25
Company: EQUIFAX, 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation