BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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 is in reference to XXXX XXXX 's CFPB # XXXX, I just need clarification from BOA in regards to XXXX XXXX 's statement and response letter. XXXX XXXX is stating the Case XXXX originated from BOA not XXXX XXXX. Can BOA Confirm and agree with XXXX XXXX 's statement? I '' m attaching the document in reference to XXXX XXXX 's allegations.

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 2022-11-24
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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 2023-02-11
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: Account information incorrect

Complaint:
XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it XXXX be effected by mutual agreement of parties, or by XXXX of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures

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 2022-11-24
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:
I did not file a XXXX XXXX  bankruptcy with the courts. When I spoke with the court clerk, they said they do not have records. Please provide the contact information of the XXXX XXXX data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. Otherwise, remove this from my file as soon as possible. 

Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX Discharged

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 2020-12-10
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
The vehicle was unlawfully repossessed, unfortunately we didn't realize this until it was too late. They repossessed the vehicle prematurely and then sold for more than what we owed. They sent a letter stating we owed an additional XXXX dollars, when they sold the vehicle for XXXX. When you add the itemized items on the Auction sale statement they calculate out to a balance left of {$28000.00}. With our remaining balance of {$28000.00}, which is also listed on the same statement, it shows they owe us XXXX. Yet they claim it as a debt we owe them, which is incorrect. They refuse to correct this, or remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: MO
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'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: LEXISNEXIS
State: IL
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:
Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which one of them ( XXXX XXXX confirmed the public record was verified by the court. I asked XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 2020-09-04
Company: Experian Information Solutions Inc.
State: GA
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 out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is 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 2018-03-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to work with Wells Fargo since XX/XX/2016 to avoid foreclousre. I cintact them immediately when I knew there would be an issue covering the mortgage and beagn working a realtor, as advised by Wells Fargo, to attempt to sell the home. 
As I've moved through the loss mitigation process from traditional sale, to rejected offers, to short sale, to deed in lieu, I have been repeatedly misinformed by Wells Fargo, reassigned to no less than specialist 7 specialist, and contiuously asked to resubmit documents that have already been submitted as requested within the stated deadlines. Due to their admitted errors I was previously been denied a short sale review, and most recently a deed-in-lieu review, despite their records clearly indicating that all of the requested documentation was received prior to teh deadline.

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 2021-10-06
Company: EQUIFAX, INC.
State: NJ
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 mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop this.

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 2020-09-04
Company: EQUIFAX, INC.
State: NY
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:
The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 am a natural person, I am the living human being. I have rights under 15 USC-1681.

Equifax is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to 15 USC-1681 I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Capital One Bank USA was a secure credit card in the amount of {$300.00} dollars. Now this card is {$2500.00} I do not know how this credit card allowed by the Capital One Bank to go that high. I did not do this and I do know that my card was used by someone else. My question to the Captial One Bank is how could you let this card that was only a secure credit card for only {$300.00} get to {$2500.00}. This is fraudelent and I did not do this sort of thing. 
Attached please find a copy of my credit report that shows this issue. This is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I've contacted the Company to update my credit report numerous times with no response. I've spoken with the Manager XXXX XXXX of the XXXX, TX Branch about not reporting accurate information to the Credit Bureau. Transunion is also responsible for reporting inaccurate information on my Credit report and file. XXXX is inaccurate and neither the data furnisher or TransUnion has reported accurate information for the past three months. This has affected my credit utilization and credit report negatively.

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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX I closed all my accounts with Associted Bank a total of 3 accounts. They are trying to reopen our accounts because there were some debts that were taken out of the account XXXX. That were not authorized. These accounts are Closed no more transactions should be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
These are not my accounts. Please remove them from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America mortgage We have been trying to pay for one month deferral on our mortgage, because we are refinancing with a much better rate and the new mortgage company wants us to pay for the deferral payment before funding. I have contacted BOA and have been on the phone with them for more than 20 hours in a period of 2weeks. They have taken my money that was promised to be posted to deferral payment and posted it against my next month payment. Now they are saying they might not have a way to pay for the deferral until the end of your loan period, They have fill out numerus request form to fix this issue but it has not happened yet. PLEASE HELP XXXX and XXXX these are the escalation numbers.

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 2021-01-26
Company: Debtsy Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened in XXXX and I was made aware of it in XXXX of XXXX when it went into charge off status. I have been going back and forth with this company, sending them police report documentation and they continue to say the account is valid. The address that the stools were sent to isnt even an address I resided at before. I never pursued it much because it didnt have much of an affect on my credit until XXXX of XXXX. All of a sudden the account changed to collection status and it dropped my score 40 points. Now the account is with debtsy, who I have contacted and sent my police report to, but I have been told there is nothing they can do and to contact XXXX. I have repeatedly told the company XXXX that I was not the one who purchased the barstools with my XXXX and main account. I have repeatedly sent them my police report and just a week or two ago I submitted an identity theft report via FTC recommended by Experian credit bureau. I have even offered to pay the amount if they will delete the account. XXXX has just recently sent me an email asking for me to return a filled out form, however, I have been going through the ringer with this company and just want the fraud account removed. I am attaching the communication from debtsy and XXXX. As you can see with debtsy I have attempted to have them investigate numerous times last year.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Specialized Loan Servicing services this loan that I have and I wrote them a letter asking who owns the loan and they sent back a response that said they will not tell me. I wasn't told the truth on this loan and I want to know who owns it.

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 2018-03-02
Company: Experian Information Solutions Inc.
State: NC
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 XXXX  has an account listed on my credit report opened XX/XX/XXXX. My girlfriend at the time added me as an 'authorized user ' and the account has been charged off at {$490.00}. I never used this account or authorized being added to it. I contacted XXXX XXXX XXXX. They referred me to a collection agency which stated the account was closed years ago, and last reported to credit bureaus XX/XX/XXXX. I was also told the credit bureaus are the only ones who can remove this closed account from my credit report. XXXX notated the account and said they would be willing to speak with someone on my behalf to have this removed from my credit report. 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 2020-09-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is with Comenity Club XXXX XXXX. Comenity Capital Bank. 
It was a loan to payed fro XXXX procedures. Opened in XX/XX/XXXX, for the amount of {$1500.00}. Account under my name, finishing in XXXX. 
There has being numerous late fees applied to this account, since the beginning, despite direct linked account to XXXX and latter to XXXX, both bank accounts they have being authorized and link to. 
During the pandemic, completely and lawfully ignoring the CARES ACT and despite numerous phone calls and secure messaging though their website asking for a relief, by only being behind on one payment they charged me overdraft fee and reported to the credit agencies. 
I have many writing communications with them though the secure messaging system complaining of all this. 
I notice that they just stop taking the payment in XXXX, with out any notice and I have being charged two late fees since then despite having access to the bank information they have being linked to since XX/XX/XXXX. 
Again not communication in any shape or form to let me know of any updates on my account.

Company response to consumer: Closed with explanation