BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XX/XX/XXXX I mailed a check made payable to XXXX XXXX XXXX XXXX Collector in the amount of {$3800.00}. When I notice the check had not cleared my account I got worried that my taxes were not going to be paid on time so on XX/XX/XXXX I paid the property taxes online. On XX/XX/XXXX I checked my account and saw the check I wrote back on XX/XX/XXXX had cleared my account along with the electronic payment. I sent XXXX XXXX XXXX XXXX Collector an email asking them to please credit my XXXX installment of taxes since I paid twice ( by check and electronically ). I called XXXX XXXX XXXX XXXX XXXXr on XX/XX/XXXX and the person I spoke to said the only payment they received was the electronic payment. I said how is that possible, my account shows the check I mailed to you was cashed. He asked me if the back of the check had a stamp with XXXX XXXX XXXX Collector. He said if it did not then fraud had been committed and to contact my bank. I immediately contacted Wells Fargo and they filed a fraud claim. They closed out my old account and gave me a new one. On XX/XX/XXXX I walked into the Wells Fargo XXXX and ask what was going on with my fraud case and they said a fraud form had been mailed out to me which I never received. I ended up going into the closest Wells Fargo branch to fill out the fraud form which they needed to contact the Fraud Department for the form. I was told by Wells Fargo XXXX XXXX  XXXX XXXX negotiated the item and on the back of the check was signed by some XXXX XXXX. Wells Fargo has told me that XXXX  XXXX XXXX has up to 120 days to reply to my claim. It is now 84 days since I reported the fraud and I still do not have MY money back in my account.

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 2019-12-30
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I refinanced my home with XXXX XXXX. In XX/XX/XXXX I received and email from XXXX that they were transferring the loan servicing to XXXX XXXX. A new loan number was assigned ; XXXX. Under my original contract with XXXX no late frees would accrue until the payment became past due after the XXXX of the month. The due date is the XXXX. I am on Social Security and my monthly payment comes on the XXXX Wednesday of each month. Up until this transfer I was ever late past the XXXX. Since the transfer to XXXX I have been charged late fees. I have complained to them and demanded return of these fees. They respond that they have a policy for late fees. I advised them they can not unilaterally change the terms of my contract with XXXX and demanded they cease and desist any further late fees and to also return all charged late fees forthwith. They simply respond with a computer no doubt. It is hornbook law that a contract involving real property must me in writing. That would include an modifications. No such modification has been executed and XXXX has taken this contract subject to all of it provisions. Please help. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-04-17
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2023, I received a notice from XXXX XXXX stating that they received a court order, which either enforces a legal judgment against you or secures a possible judgment in a lawsuit that's been filed against you. As a result, they immediately placed a hold on a joint account that was in my husband 's and my name. It also stated that we aren't able to withdraw any amount that reduces the balance below the amount of the hold until the hold is released. The amount that was taken from our account was {$4800.00} plus a {$100.00} Legal Processing Fee. XXXX XXXX also stated that they might charge us, and we are responsible for the bank 's fees if they are required to obtain outside counsel. 

I was not aware of any judgment until XX/XX/2023. I did not receive any certified mailing from any company. After contacting the bank, they gave me a number to contact XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX, and he, in turn, gave me a number to contact Pressler, Felt & Warshaw. I called Pressler, Felt & Warshaw on XX/XX/2023, and was told that for the funds to be released, I had to pay them. I explained that the money that was taken came from a joint account and that we had a house fire, and that the funds in the account were from that insurance company and it was to pay for the contractors. 

The Pressler, Felt & Warshaw representative wanted me to show that the money came from an insurance company. I submitted the bank statements showing that the funds were from the homeowner 's insurance company on XX/XX/XXXX at XXXX XXXX. I called Pressler, Felt & Warshaw again on XX/XX/2023 XXXXXXXX XXXX, and asked when the funds will be released so that we can pay the contractors. I was told that I needed to send them more bank statements, and if I did not, they would take all the money. I explained to the representative that the money came from a joint account and the account is in more than just my name. 

I was told that It did not matter ; they could keep the funds. I asked that the account be noted, and they know that it was a joint account and the funds came from our home insurance company to pay for supplies and contractors due to a house fire. I submitted more bank statements to Pressler, Felt & Warshaw XX/XX/XXXX at XXXX XXXX. I then called back on XX/XX/XXXX at around XXXX XXXX and the representative said that if I want the money then pay them via credit card, or they are keeping the funds that they took. I explained once again that the money is to pay the contractors that were working on the house and the funds came from the home insurance company to pay the contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-08-24
Company: EQUIFAX, INC.
State: PA
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 all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting under on my credit reports is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. Please help.

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 2021-02-01
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ] Account Number : # XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Wells Fargo account. 

I want you to know that I understand my financial obligations, and if it were not for divorce expenses, I would have an excellent repayment record. I made a mistake in falling behind, but since then, I have changed careers with higher wages, the divorce proceeding are done and I no longer have the vehicle that was financed through WFDS. 

I am planning to apply for a mortgage within the next year, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your consideration, and I hope you will approve my request. 

Best, 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 2023-08-24
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  - Inquiry Date : XXXX XXXX XXXX -Inquiry Date : XX/XX/XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIT
HOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2019-12-30
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed the car through a dealership in XXXX of 2018 that was crooked. There were many issues with the car and I tried giving the car back but to no avail. I called credit acceptance several times to have my payments lowered because they kept adding on fees I have no idea how and they would not explain it to me. In addition to giving me the running around and telling me something different ever time I called. This whole situation has put me through suffering and damages to my credit and livelihood. And has been truly a nightmare.

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 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Capital One Auto and Capital One is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage with XXXX XXXX XXXX was modified in XX/XX/2014 at which time I was not provided with an " Amortization Schedule. ". 

Thereafter the mortgage was sold to Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.and I have made numerous requests from them for said Amortization Schedule however, they tell me that they can not provide me with one because " the mortgage was modified. '' This seems very unusual to me since I understand that HUD would allow for such information to be provided to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reorted incorrectly in my file : 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 response to consumer: Closed with non-monetary relief