BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: TX
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:
account : XXXX XXXX XXXX XXXX with XXXX XXXX. 

The company posted to my credit report a late payment. I have never been late before, I payed in advanced. I spoke to XXXX and was told the issue had been taken care of. I filed a complaint with the credit bureau and XXXX continues to reject my correction request ... 

The account has since been payed off and there is a XXXX  balance. My only issue is that they will not correct the error, and I have a late payment showing in my credit report.. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
'To Whom It May Concern : 15 USC 1681b 'This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the a creditor and signed by all parties involved, You are illegally attempting to collect the above-listed debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. 
I have not given you written permission to put anything on my consumer report, 15 USC $ 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. 
You have no permissible purpose by law to contact third parties with my private or personal 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

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Transunion several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has  been a victim of identity theft. In addition, how can XXXX  currently be reporting the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Transunion seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for XXXX to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve 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 explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, 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:
On XX/XX/XXXX I contact one of my credit card ( XXXX/XXXX  XXXX ) to request a credit line increase. I was informed there was a freeze on my equifax account. As I had previously created a on-line account I attempted to log into my online account. System alerted me to change password which I did and received a confirmation it was changed. Their site still denied my access so I called customer support on XX/XX/XXXX. I was informed their system was " down '' and to try again. I tried and still could not access my account. On XX/XX/XXXX I attempted to log in/change password and received message to call customer service. I called and spoke to a " XXXX '' who informed me my account wasn't completely set up/was placed on hold then sent a email to which was suppose to have a temp. password to reset my last used password. No temporary code was sent/verification of last 4 of my Social Security and date of birth was asked/answer and received a confirmation that the password was successfully changed. I attempted to log in and received the same error message, call customer service which I did. I spoke to the same " XXXX '' who alerted me there were " technical issues '' with my account and to wait 5 - 7 days and try again. I feel I am getting the run-around with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is against US Bank and their loan modification process. Attached is the complaint I filed with US Bank regarding my experience with their loan modification process. I started this process back in XXXX and have made the three required trial payments. I continually asked, when making these payments, if there was anything else I needed to do or any other documents I needed to submit. They always responded that I did everything they asked and submitted all documents. While I was in the hospital ( admitted XX/XX/19 ) waiting for XXXX XXXX XXXX US Bank called me and informed me that they stopped the loan modification process because I did not submit a required form. US Bank claimed that they sent me a letter by mail requesting this form. I never received this letter. It took me several attempts to find out what form they were talking about since they had previously stated that they had received all of the forms they needed 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 2020-10-20
Company: Prince Parker & Associates
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account I have disputed over the past 60 days with a company by the name of Prince Parker & Associates does not belong to me and was the result of identity fraud/ Despite my previous disputes with both TXXXX and Prince Parker Associates the fraudulent account still remains on my credit file. Prince Parker Associates has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand XXXX  has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-11
Company: EQUIFAX, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: TX
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 frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a mortgage application with Chase on XX/XX/10. As far as I know I did not consent to a credit pull. 

A mortgage rep ( XXXX XXXX ) tried to call me twice after that. I was not able to take the call, though I attempted to get back in touch with them. The rep did not leave a number. 

I heard from the rep again in XXXX. We spoke on the phone briefly about prequalification ( not preauthorization ). No mention of a credit check was made. 

I got a notification later that week that there was a hard pull against my credit. I wrote an email to XXXX and his manager XXXX XXXX. XXXX called me and gave me information to report an escalation. In the meantime I was connected through my work to a different mortgage rep at Chase, who filed the escalation on my behalf. 

When I got in touch with the escalation department ( my case was handled by XXXX XXXX -- spelling may be wrong ) they told me that the rep ( XXXX ) tried to call me twice in XXXX and never got ahold of me. I told them that I had attempted to get in touch with him, and had spoken with him in XXXX, and he never verbally asked for consent to pull my credit. This information was not in the escalation report but that did not seem to matter to the escalation department. I spoke with XXXX XXXX ( who was friendly ), never XXXX. 

XXXX was unable to present any proof of my consent, other than stating that consent was received electronically. He could not provide the contents of the consent, but said he would expect the online application to be fully legally compliant. He also said that Chase 's policy was not to change or amend credit information. 

I am now in a position where other places I want to apply for a mortgage will have a lower credit score to work with, because Chase 's pull lowered my score. I was not able to line up lenders to take advantage of the window that Chase 's pull created. In XXXX I was prepared to do that, but by the time they actually pulled I was not in a position to get other pulls from other lenders. This has put me in a position where other lenders may not be able to compete with Chase, because of the damage to my credit report. 

And I still don't have any recollection of consenting to any kind of credit pull, nor was Chase able to provide any information beyond stating that I consented electronically. No document I signed, no terms I agreed to, no verbal consent, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Dynamic Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
dynamic recovery solution 's calls me every couple of months asking for XXXX XXXX XXXX XXXX. last 2 calls XX/XX/2019 at XXXX XXXX  and XX/XX/2019 at XXXX XXXX. this is after asking them to stop calling me, I have no debt, why are they calling me? I contacted dynamic recovery solutions, they said they would remove my name. right away I get another call. and they continue to harass me, why is this company getting away with harassing people? 
and why are they calling people with no debt and harassing them? 
they call with no caller id and no phone number, they leave a message saying that by listing to this message I'm confirming that I am XXXX XXXX XXXX XXXX. 
I have recorded phone calls & messages saved from dynamic recovery solutions that documents there harassing calls and texts. something really needs to be done here. 
thank you XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. 

The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. 

The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.

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 2021-11-01
Company: Shellpoint Partners, LLC
State: CT
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:
XXXX XXXX signed up for auto pay and received a confirmation text to confirm my request was received XXXX XXXX received text to confirm that my mortgage was received with conf. # XXXX XXXX XXXX received a letter in the mail saying our mortgage was past due and not paid for XXXX. Immediately submitted another payment as customer service was closed due to it being a weekend day. 

XXXX XXXX received confirmation text saying payment was received with conf. # XXXX - Called NewRez customer service to discuss what had happened. Person we spoke with said that the payment did not clear when it was attempted to be taken out on XXXX due to bank routing error. Representative assured me that other payment we just made did clear and we WERE NOT late as it was only day XXXX and payments past 30 days were late according to their policy. I specifically asked about credit reporting. She said that it WOULD NOT be reported to the credit bureau as again it was not 30 days late. 

XXXX XXXX text saying mortgage payment received with confirmation # XXXX XXXX XXXX alert from my credit app that my mortgage was reported at past 30 days late. Immediately filed a dispute with NewRez. 

XXXX XXXX text saying that my reoccurring payment was received but not confirmation #. Called NewRez to look into the credit dispute. They claim no issues and they are accurate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled 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 2020-03-02
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been harassed on a daily bases by this person named XXXX XXXX. I have told him on 4 different phone calls that I was working with a Debt Settlement Program and to stop calling me. He informed me that his company does not work with Debt Settlement company 's and that he can continue to call me. He has threatened me saying that there is going to be a problem if I don't pay. He continues to make this personal and I am feeling like I am being threatened.I have to add that I have only missed 1 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2018 I was never 30 days late. I believe you have some problem with your payment app. And when statement is generated. I am personally confused when looking at the breakdown. XXXX was paid on XX/XX/2018 as what their app requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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