BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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 did not give anyone permission to access my credit but the following companies have accessed my credit report. Someone else has been attempting to get things using my personal information. Please delete all the inquiries listed on my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been notified by my credit reporting services/fraud service that a bank account was opened at Wells Fargo XX/XX/2021 using my name and ssn. I notified Wells Fargo of the fraud and they stated they were placing a hold on the account because of the fraud, however, today XX/XX/2021 I received a new notification from my paid fraud service that Wells Fargo has allowed another checking account be opened using my name and SSN. This make no sense because I have placed a fraud alert on my credit, my credit reports are locked & noone from Wells Fargo has reached out to me to verify my identity prior to opening these accounts which is required per the fraud alert placed on my credit which includes my personal cell phone that is required to be called prior to opening any accounts.

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 2021-09-05
Company: Google Compare Credit Cards Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went on the Google Play Store and purchased {$25.00} in Google Play Store credits using my debit card. I then went to try using the credits on the XXXX XXXX as Google manages the payments. It refused to accept my Google Play Store Credit stating I have to be located 8n the United States. I checked and my VPN was off. There was no reason to deny my purchase. I then tried to request a refund. There is no option for explaining the issue. I was denied a refund. The company does not have a customer service phone number and wants the consumer to use the community as a way to resolve this issue. The company intentionally does this to keep costs low. They deny use of funds if it's a debit card knowing that it isn't protected as credit cards are. I humbly request that you fine the company on behalf of 5he hundreds of thousands of consumers who they do this to and request a refund from this cheap company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
URGENT - FORECLOSURE SALE XX/XX/XXXX In XXXX, during the Covid-19 and Hurricane Sally era, our mortgage was placed into temporary forbearance, as per our request. Once the forbearance period expired, we requested a Modification/Deferment of the payments into a subordinate lien due at the end of the mortgage term. 

As requested by XXXXXXXX XXXX XXXX, we submitted Borrower Response Packages in XXXX and XXXX of XXXX and again in XXXX and XXXX of XXXX. 

We contacted XXXX XXXX XXXX each time to confirm the Borrower Response Packages ' status and confirmed that the Loan Modification was approved. 

Many attempts were made to submit the monthly payments, and our inquiries resulted in different answers from different representatives, all without any clarity. We have not received Monthly Statements reflecting the Modification, allowing us to submit the original payment amount of {$1200.00}. They have rejected the monthly payment attempts on every occasion. 

In XX/XX/XXXX, our loan was transferred from XXXXXXXX XXXX XXXX to Specialized Loan Servicing. 

Based on a phone conversation with an SLS representative, our home is scheduled for foreclosure on XX/XX/XXXX. He advised us to send in the Mortgage Assistance Application immediately, which we did. We have not received written documentation regarding the foreclosure date or process. One of our neighbors found a USPS Certified Mail Slip in the road that is addressed to me and XXXX, but the address is for XXXX XXXX XXXX, our address is XXXX XXXX XXXX. We dont know what was in this package. 

Yesterday, we received written notice that the file could not be reviewed because of the amount of time between the file submission and the foreclosure. She said that SLS requires 37 days to review, which we were also not advised of. She suggested we apply for assistance through Mortgage Assistance Alabama. I attempted to do so last night but they are no longer accepting applications this year. 

We are not able to pay a lump sum of {$35000.00}. According to the representative that I spoke with last night, the total amount is now over XXXX XXXXXXXX. Ive requested the amount due for reinstatement. The processing period is several days but is due to arrive on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  and Specialized Loan Servicing have not attempted to resolve this matter for over two years and now it has escalated to what could be a devastating loss.

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 2019-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Summer XX/XX/2017 my account was hacked and I contacted the bank explaining the fraud situation. They left me liable for it and I haven't been able to open a new account since. I have talked to countless reps over the years. I even made a trip to another state where the physical branches are located and still no help. The balance is {$570.00} and being a veteran never having an issue with the company alarms me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CORELOGIC INC
State: AR
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'm in the process of buying a home, my credit was pulled in which it revealed accounts that don't belong to me. Under the FCRA I would like verification of the accounts.

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 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX XXXX The purpose of this letter is to you that an improper investigation was conducted by your agency. You have to provide me with a copy of the original documentation for example, 1. A consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
2. Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
3. Please be advised that under section 611 ( 5 ) ( A ) of the FDCPA you are required to ... .promptly DELETED all information which can not be verified. 
4.Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : A consumer reporting agency is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under the section 605 or can not be verified. 
5. Pursuant to the Fair Debt Collections Practices Act, I requested verification/ validation of the debt including the following : 6. Copies of the information regarding the above-referenced debt, including statements, report, ledges, correspondence, notes organizations documents ( including any all application and usage/activity signature ) and documents relating to any assignment of such accounts to and/or from ant third parties. 
7. Please label all quantitative entries, such as dates, payments, credits identity, including its full name, address, state, and local license and state and federal tax numbers.

8. Also, please provide me with a complete description of clients identity, including its full name, address, state and local license and state and federal tax numbers.

9. Last but not least, you need to provide an original consumer contact with my wet-ink signature on it. 

Copies of copies are not a form of validation, and by law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to to prove me with a copy of the verifiable/validation proof that you have on file, within 30 calendar days from receipt of this notice, by the law you have to immediately remove the aforementioned item in dispute from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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 fraud alerts or security freezes

Complaint:
I would like to remove fraud alerts

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates.

I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: ND
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, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX PA, XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, Not later than 4 business days after the date of receipt. It has been 30 days you are in violation of this law because I am victim of identity theft! Please delete these items IMMEDIATELY. 

XXXX XXXX {$500.00} These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject To subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In Accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately. 

Thank you. 
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 non-monetary relief
Consumer complaint received 2023-09-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Chexsytems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsytems and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion sent me a letter dated XX/XX/2023 about identity theft in response to my CFPB complaints about them. File number XXXX. No one stole my identity you XXXX idiots. The credit system itself defrauded me. TransUnion and the banks and the government committed fraud. XXXX exposed it, but now it's everywhere. For instance I was defrauded today by " XXXX XXXX '' with a fraudulent adjustment to margin requirements while they are illegally " holding '' my collateral to manipulate the underlying securities. They aren't holding it though. It was rehypothecated and donated to politicians to commit election fraud among other things. XXXXXXXX XXXX  Cease and desist. Leave me the XXXX alone and delete me from your systems and stop spying on me. I'm done. Get XXXX you bankrupt criminals. I'm out. Enjoy XXXX yourselves.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

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 2020-02-06
Company: Innovis
State: UT
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:
Innovis requested a valid police report. In my most recent dispute I have provided the police report REPORT NUMBER : XXXX. Additionally, the accounts were deleted from the other credit bureaus but then re-inserted back onto my credit profile. Innovis receives data from the other three credit bureaus that is reporting inaccurate information from these XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lobel financial is reporting inaccurate information on my report my car was repossessed after two years of making payments and they are trying to charge interest on top of the repossession they refused to report the accurate amount so I'm asking for it to be taken off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.

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 2021-11-27
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( XXXX ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased my payment and my rate. 
I already sent all the information requesting a Loan Modification. They are delaying and they have not responded to my request for Loan modification even though I already sent all the information.

They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt.

This time I should be helped since I am the home owner. As the FHA guidelines suggest.

My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX XXXXXXXX XXXX See pictures. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch XXXX XXXX. 
I am attaching the documents that prove the statements I declared : Attachment I. - XX/XX/2021, Sent the paystubs that you required. 
Attachment XXXX. XX/XX/2021. Sent ALL the documentation including application everything included in the email. 
Attachment XXXX. XX/XX/XXXX Official Loan Modification request. 
Attachment IV. Pictures of my XXXX XXXX 
I have not sent anything else after XX/XX/XXXX ; therefore they claimed that I completed until XX/XX/2021 that is not correct. And I still have not received resolution on XX/XX/2021. I am being blocked from getting the low rates. 
Mortgage companies have resources that home owners do not have. I am requesting you a decrease of the rate as it is suppose to help the home owner. The delay is causing that I can not take advantage of the great low mortgages. I need help!!! 
If you would require more information or clarification, my email address : XXXX, please do not hesitate in calling the XXXX ( XXXX ) XXXX XXXX. And if we miss your call please leave us a message. 

Sincerely yours, 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