BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: OH
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:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 explanation
Consumer complaint received 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 2018-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
URGENT VIOLATION OF THE CALIFORNIA HOME OWNER BILL OF RIGHTS WITH A PENDING FORECLOSURE SALE DATE OF XX/XX/XXXX, FAST APPROACHING THAT MUST BE STOPPED. XXXX XXXX among others at Bank of America have been assisting in putting together a compete package to finish a loan modification. There were only two things that were left to complete the file per XXXX XXXX request 1 ).  XX/XX/2017  tax return 2 ). Current quarterly profit and loss. As of XX/XX/XXXX XXXX XXXX, the final two documents were received by Bank of America 's  borrower portal system, with verbal confirmation from live agents. I left a message and sent an email to XXXX asking for an update and have not heard back. Today, I spoke to XXXX and he says that " YES '' All financial documents were received and are being reviewed by underwriting. XXXX said that the Bank would NOT request the FORECLOSURE SALE be stoped until Underwriting made a decision on the documents, however he did not know when that would be. XXXX is specific about not DUAL TRACKING a foreclosure sale and a complete loan modification package, THIS IS BEING VIOLATED. PLEASE forward this request to THE EXECUTIVE TEAM AT BANK OF AMERICA and request they order TRUSTEE CORPS to stop the sale NOW! ALL documents are being reviewed by UNDERWRITING and they need time to decide. URGENT!!!! 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 non-monetary relief
Consumer complaint received 2019-03-23
Company: Diversified Adjustment Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a letter ( attached ) from " XXXX XXXX XXXX '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " XXXX XXXX XXXX '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" XXXX XXXX XXXX '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " Diversified Adjustment Service Inc. '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: ONLINE Information Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has continued to report that my debt is not paid to all my credit bureaus dropping my score by 23 points yesterday even though the amount is paid in full. They also refuse to provide a receipt of payment in full to help my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: WA
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:
Equifax, XXXX, XXXX will not permit any corrections to inaccurate information in credit files. On XXXX XXXX 2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed an inaccurate account with all three credit bureaus XXXX XXXX XXXX and TransUnion ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my 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 2018-06-27
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. 

This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. 

This abusive language is completely uncalled for and illegal. 

Phone Number : XXXX Collection Agency Name : Capital Accounts LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Dyck-O'Neal, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney  and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a letter from fraud department at Wells Fargo saying they were going to close an account of mine. I havent banked with them for almost 10 years. Then I received a debit card for that same account and then received the PIN number a few days later. 
I dont want anything to do with Wells Fargo XXXX and would never bank with them because of past issues with their facility. Im afraid theyre trying to trap people into using their bank services. Please contact me if you need any more information from me.

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 2018-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a previous complaint about Experian through CFPB and Experian stated that the complaint was general and not specific enough for them so they closed the complaint.

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 2019-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I responded to a phishing email thinking it was from my bank, which gave away my debit card information, PIN number, and identifying email. Over the next 2 weeks the person stole about {$7000.00} from my checking account via numerous purchases using my card information, and a single {$2500.00} withdrawal. When I realized what happened on XX/XX/XXXX, I called Wells Fargo and had my account closed and card canceled. Over the next 4 months I made numerous phone calls to Wells Fargo as well as visited a local branch 3 times in an attempt to get my money back and point out the roughly 200 fraudulent charges. I got the {$2500.00} withdrawal back, as well as a few small charges, but am still missing about {$4000.00}. Every time I called I would go transaction by transaction indicating they were fraud, and the person would input them all into the claim, but when I would check on the claims every time they were adjusted to only include one or two of the transactions, claiming {$100.00} fraud instead of {$4500.00}. One claim got rejected because they said that because the person had my PIN number I must have authorized it, but I had explained that my PIN was entered into the phishing email. The bank kept making it harder and harder for me to place claims, including blocking me from accessing my old statements after closing my accounts and opening new ones, and refusing to send me proof of my claims after I placed them. They also wouldnt ever help me in person at a branch because they said all fraud claims must be done over the phone.

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 monetary relief
Consumer complaint received 2019-03-24
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company Nanvient, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and XXXX refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to XXXX with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to XXXX  and Nanvient, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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: Old information reappears or never goes away

Complaint:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to challenge TransUnion 's reporting, compliance and investigation on accounts with XXXX XXXX that are listed on my credit report. Multiple items of incorrect and incomplete information exist and TransUnion 's results into the most recent investigation indicated that the information had been verified with XXXX, despite logic and evidence to the contrary. 

XXXX Unsecured Installment Account : On one XXXX XXXX account ( an Unsecured Installment Account ), TransUnion/XXXX is reporting, inaccurately, the Date of Last Activity as well as the account having been Included in Bankruptcy. '' This account was a loan for {$7600.00} opened in XXXX and paid in full in a timely manner a couple of years afterward. TransUnion is also reporting an inaccurate Last Payment Made on XX/XX/XXXX and Date Closed on XX/XX/XXXX. This installment loan was opened in XXXX and paid in full in the late XXXX or early XXXX. Simply by way of logic, no installment loan for {$7600.00} has terms that would allow payments to go on for XXXX XXXX as this is being reported by TransUnion and XXXX. Additionally, TransUnion and XXXX continue to fraudulently re-age this account so that it continues to appear on my report many years after it should have been removed. 

XXXX Line of Credit : TransUnion and XXXX is also reporting another XXXX XXXX account as Account Included in Bankruptcy and Date Closed on XX/XX/XXXX. However, they continue to report a Last Payment Made on XX/XX/XXXX. This doesnt even make sense a payment made on an account that had been discharged through Chapter XXXX Bankruptcy nearly over a year prior? No payment was ever made to XXXX beyond the date my Chapter XXXX Bankruptcy was filed in XX/XX/XXXX. Again, TransUnion and XXXX continue to fraudulently re-age this account with inaccurate information. 

XXXX Credit Card : Another XXXX XXXX Credit Card account is inaccurately being reported as opened on XX/XX/XXXX. This account was not opened in XXXX. 

TransUnion and XXXX are reporting incomplete information on all three of the above-referenced accounts as the account numbers are all being reported as XXXX. 

Finally, each time TransUnion/XXXX purport to have verified this information, it has prompted inaccurate reporting as though my account with XXXX has fallen delinquent XXXX and that I have just recently filed a new bankruptcy or a tradeline bankruptcy as being reported by XXXX. Each time this has happened, I have received notices that my credit score has been negatively impacted - sometimes by dozens of points.

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