BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
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: Was not notified of investigation status or results

Complaint:
I sent a letter pertaining inaccurate and unknown things on my credit report on XX/XX/2021. It has been well over 45 days and until today I have not received a response. It appears my disputes are being ignored and I feel like I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these items, within 30 days gives a reason to immediately remove these items from my credit report. It has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately, otherwise I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.

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 2018-12-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Submitted request for all 3 free annual credit reports in October, 2018.  Promptly received 2 of 3 reports, did NOT receive the report from Equifax. 
This same issue occurred in XX/XX/XXXX and was resolved after reporting this to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made a purchase on XX/XX/2022 at Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/2022 and then made a subsequent purchase for {$410000.00} on the same day, XX/XX/2022 with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.

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 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife was scammed on a telephone call. She was prompted to transfer funds from our saving account via XXXX to an unknown account ( was told this was to secure the funds ). 
XXXX $ was transferred. The bank did not notify us to check if the transfer was legitimate. We feel they have a responsibility to make sure transfers of this amount are indeed legitimate. Thanks for any help you can give.

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 2021-07-11
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job back in XXXX. I contacted my mortgage service ( Dovenmuehle Mortgage ) at that time and applied for assistance with the loss mitigation department. I submitted all of the documents they requested multiple times an they still kept saying that I was incomplete. They sold my mortgage in the meantime and now the new mortgage company is saying that I have to start over again. I uploaded the documents, I emailed the documents and the last person I spoke to said that I had done everything that I needed to and they would get back to me. I do not have a job yet and am barely getting by and do not need this added stress. I feel like Dovenmuehle did this on purpose since they knew they were selling the mortgage. You can see by the dates and documents on the screenshot that they were indeed uploaded in their system and that I did everything they asked of me.

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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Acorrding ( why this matters ) UCC Article 9-625 Section A Stat In accordance to the Fair Credit Reporting Act XXXX XXXX  the following instutions : XXXXXXXX XXXX XXXXXXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Nonpublic personal information refers to any information about an individual that is not publicly available and can be used to identify that individual or their financial transactions. This includes : 1. Personally identifiable information such as name, address, Social Security number, date of birth, and driver 's license number. 
2. Financial information such as account numbers, credit and debit card numbers, transaction history, and credit scores.

3. Information about an individual 's financial behavior such as account balances, payment history, and credit inquiries.

4. Information about an individual 's relationships with a financial institution, such as account ownership and beneficiary information. 
In general, any information that is not readily available to the public and can be used to identify an individual or their financial transactions is considered nonpublic personal information. Financial institutions have a duty to protect this information and use it only for legitimate purposes, such as processing transactions or providing services to the customer.

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and XXXX of 2020 I was given late payments from capital One In accordance with the fair credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may nat treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX, XXXX, and Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by Wells Fargo. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after XXXX years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with Wells Fargo. If they can not provide this, per FCRA they must remove this from my credit file. 

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 2023-08-23
Company: EQUIFAX, INC.
State: OH
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:
I sent a letter regarding fraudulent and unknown inquiries on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I purchased a vehicle financed through Satander Consumer USA. Payments were made. My vehicle was repossessed XX/XX/XXXX atXX/XX/XXXX in a very disruptive manner ; I.e : my car alarm was set off and the tow company lit up the entire neighborhood with lights and the sound on my vehicle. Without any notice my vehicle was repossessed and per Nebraska state law I was to be notified via a certified letter that my vehicle was in a repossessive state and given 20 days to rectify ; they failed to send me notice. After the repossession I called Santander and asked for the notice, the representative XXXX I spoke with was rude and stated it was not his job to notify me of my finances. I then mailed a Debt validation letter on XX/XX/XXXX and never recieved a response, I then was notified they sold the vehicle and that I now owe over {$10000.00} and are reporting on my credit file 3 different amounts as a bad debt/charge off, but I was never given the amount needed to get my vehicle back and rectify the debt to get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BEST BUY is the only company I ever heard of that has no grace period. In the past I have sent my payments in in a timely manner, but they have a delayed time in processing these payments. I send all my bills in at the same time an BEST BUY is the only company to charge late payments and fees.I tried calling to understand their method of posting but do not get any satisfaction. I was so upset by their method that I wrote a check to pay off the ENTIRE balance to be done with them. I sent this on XX/XX/XXXX and it was processed on XX/XX/XXXX. ( I of course was not charged fees on this ), SIX DAYS this is a perfect example of how long it takes them to process payments. Someone needs to take a look at their money making scheme.

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 2019-04-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification but Wells Fargo hasnotgiven me a loan modification instead they have advised me by letter they were going to raise my mothly payment for escrow from the original {$1500.00} per month by {$100.00} & due to being in default because of lost of job trying to find a new one paying anywhere near what i was making after months of calling them for last 2 years ion which it took that long for me to hear from them they claimed they were giving me a modification the amount came back to the same amount i originally paid before the escrow was added i was told by their representative that i did not take it they could decide to not give me a modification at all worthy could increase it altogether i have filed for bankruptcy but has been dismissed now they have tacked on astronomical fees for an attorney in which they have not done anything to try to help me get back n my feet i have now been making payments monthly for they amount they have requested on time but can not get them to make a reasonable offer to help me get caught up by putting this amount on the backend of the loan i went to make payment on time recently XX/XX/19 they refused my payment for the monthly mortgage what i have been reading about is wells fargo has happened to me also with any of their banking representatives trying to help me instead of intimidate me into situation if i do not agree that my taxes & bank statements show clearly nit making same amount each month

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-09
Company: Peer Advisors, LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer Compu-Link nor HUD do not reply to phone calls, emails or certified letters. The reverse mortgage holder died XX/XX/2023 and there have been no instructions from the servicer. As the trustee of the property I must have direction in order to proceed.

Company response to consumer: Closed with explanation