BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
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:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: FL
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:
( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX Bank ) - Account / # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX5 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with the company who had this debt before, XXXX   and asked them what this debt for back in XX/XX/XXXX. The customer service agent told me the debt was for an account I had signed up for back in XX/XX/XXXX. The customer service agent stated the account was started inside an office and then I informed them the company who says I have the debt was not in the state in which I lived. And there would be no reason for me for me to go to another state to get an account. The customer service agent informed me to write a letter stating I was not aware of the debt and it did not belong to me. Before I could get the letter in, they had switch the debt collection company and I've haven't had the chance to speak with the new company XXXX  XXXX/Resurgent. No agency has yet to verified that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I refinanced rental property I own in XXXX Ga. That loan was transferred to Selene Finance in XXXX and letter of transfer and closing documents clearly states for the first 60days loan payment can not be considered late or received late fees if transfer to new lender. Im unable to create online portal access and account is not found in phone system due to some technical issues. So I paid my XXXX payment with XXXX and noted Im having issues creating a portal account to facilitate payments. I mailed XXXX payment which has not cleared. I called in XXXX to pay XXXX payment and inform them XXXX check has not cleared so I will pay that as well and they refused payments and inform me my house was foreclosure on XX/XX/XXXX with no notice of default or anything. I told them first 60 days is grace period because of loan transfer and XXXX informed me if I dont pay on the XXXX Im in default. I contacted management XX/XX/XXXX via email because that is the only means they provide and XX/XX/XXXX they responded stating loan has been foreclosed as of XX/XX/XXXX and they do not need to provide me with notice of default and they will send reinstatement information. As of XX/XX/XXXX I have not received any further communication and after reading other reviews many have complained of " Missing Payment '' and then aggressive foreclosure or excessive reinstatement fees. However my loan should of never been foreclosed on after being late by their standard only 3 days even counting missed XXXX payment who foreclose on a house after only 32days late and then provide no notice of any kind. All notices I received was just to pay my normal payments. They even sent email asking about regular monthly payment and never mentioned my home was in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have 2 fraudulent accounts. the bureaus just ignore 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 explanation
Consumer complaint received 2023-02-24
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX via wire transfer from XXXX XXXX XXXXXXXX to Wells Fargo on XX/XX/2023. They money was delivered to Wells Fargo but they held the money due to a question about a word in the comments ( Water ). The question was addressed on XX/XX/2023 via an update from XXXX XXXX XXXXXXXX. The money was never released to the intending person. So after 3 weeks of waiting, I requested the money be returned back to me on XX/XX/2023, via submission of a claim from XXXX XXXX XXXXXXXX. It is XX/XX/2023 and i have yet to receive any update from Wells Fargo on the return of the funds. I have tried to call them to discuss where the money is but due to the fact that i do not have an account with them, they will not speak with me. I have asked the original receiver of the funds to speak with Wells Fargo. They explained that Wells Fargo says they have no documentation of the transaction, even though i have confirmation that the transaction was completed successfully and that Wells Fargo is holding the funds.

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 2023-06-22
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Myself and my mother received a call claiming to be XXXX XXXX stating they were trying to serve me papers for something. On my voicemail he left an address that I've never lived at. So I call XXXX and the man who answered asked for the reference number which I gave XXXX and he asked if this was XXXX and I said yes and I said not sure why you are calling and harassing me and my parents. He started screaming at me saying if you want to see harassment you got it and said I will see you in court and hung up on me. I called back and he started screaming at me again so I am not here making a complaint on this company.

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 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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 asked Experian to investigate accounts on my credit report from US Dept of Education and Experian failed to properly investigate the information or send me validation of the information that they were provided. Experian completed the investigation within 24 hours which is a clear sign that they did not investigate what I asked them to. At this point Experian is violating the FCRA by reporting information from the US Dept of Education because Experian did not properly conduct an investigation.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XX/XX/2022 notified Bank of America of an unauthorized electronic fund debit {$290.00} on my checking account. BOA has not credited me back the funds even after the company accepts the chargeback.

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 2022-11-18
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.

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 2018-12-06
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX- storm damage on main house and pool house roofs XX/XX/XXXX-Got inspected. Contacted insurance Company XX/XX/XXXX- Received first insurance check for {$16000.00}. 
XXXX Overnighted to Selene Finance . Received endorsed check from Selene XX/XX/18 XX/XX/18- Received final insurance payment of {$7000.00} XX/XX/XXXX- Forward unsigned check to Selene. 
XX/XX/XXXX- Received check and letter saying it required my husband I to  endorse plus complete several other documents by us and our roofer. 
XX/XX/XXXX- All documents from our roofer and my husband and I were completed, notarized and returned via a PDF. 
Mailed endorsed check to Selene Since the last date of correspondence, we have contacted Selene no less than 10 times. We have since learned instead of returning the final check to us for our roofers final payment, Selene deposited the check. 

Our roof has been completed since XXXX. We can not get the final payment from Selene. Our roofer is placing a lien on our home Friday, XX/XX/XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
2 weeks ago when on my computer it locked up with a message by XXXX that they dedected unusual activity on my bank. They emailed a person who supposedly worked for Wells Fargo. They told me hackers were attempting to transfer {$10000.00} from my acct. When I said I had no message for call from the bank they said my phone was hacked. I was told to removed the {$10000.00} in cash from the bank so the transcation would not go through and put it a bit coin machine to create a digital wallet. The person from XXXX kept my compleTHte locked up and kept doing scan to supposedly lock out the hackers. The said the XXXX address was been changed to allow the hackers. This happened again a couple days after for {$5000.00}. The guy form the bank attempted to return {$5000.00}. to my account but the transaction failed he told me to call Wells Fargo and trnsfer {$5000.00} to my credit card and removed the cash from the bank. 
When they attempted to run the same scan on my XXXX XXXX account all the red flags came up and I called the my local agent. The XXXX person said and showed me the scan that my phone was hacked, that the hackers knew I called XXXX XXXX. The bank person wanted me to drawn {$85000.00} from XXXX XXXX and deposit it into my bank. I drove to be local agent and they saw no scams on my XXXX XXXX accounts and more red flags came out. They locked down my accounts for safety. 
The hackers knew then we were not getting any more out of me. 
My computer was no longer loacked down. 
The guy from the bank kept telling me to not talk to anyone about the hack. Now I know why. 
I filed a fraud compliant with Wells Fargo. I talked to the fraud agent from XXXX XXXX and he gave me your website. The guy 's name was XXXX XXXX and the XXXX person was XXXX XXXX XXXX and 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 2023-02-23
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi CFPB member, This is XXXX XXXX, we got a XXXX Paypal Payment from XXXX XXXX, the boss of XXXX XXXX XXXX XXXX company on XXXX XX/XX/XXXX. 
We delivered the packages on XXXX XX/XX/XXXX, the XXXX tracking number is XXXX, XXXX. 
Due to the shipping problem, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX open a case on Paypal, we keep contacting with shipper and buyer. A month later, they got the packages finally on XXXX XX/XX/XXXX. But Paypal refund XXXX payment to that company XXXX XX/XX/XXXX. 
We usually use XXXX to contact XXXX, when he made the payment we noticed that the address provided on Paypal did not match the address of the invoice we had made, so we asked XXXX about it and he clearly stated that he was going to send it to the address of the invoice, and we also confirmed with him his PayPal account, so that one could not be a false message. Even though we provided favorable evidence, PayPal still refunded him. 
We contact Paypal Many times, we can't believe that Paypal would impose a penalty like this and the way they handled it was really poor, they hung up on us before we finished speaking, that's very disrespectful for us. 
We hope CFPB can help us to defend our rights. 
Thanks.

Company response to consumer: Closed with explanation