BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection on my report that should be deleted off my consumer report. Transworld Solutions did not advise that I can dispute. Paid the collection to have it deleted and the collection should not have been reported to my consumer report in the first place Per 15 US code 1681D ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The collection should have never been reported without my consent which i did not give. 

Also, 15 US code 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; This collection is blocking every relationship that I would like to pursue with other entities. I am not looking to be paid for damages, I would like to have the collection deleted off report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Home Mortgage division charged us an excessive fee of {$510.00} for a desktop appraisal completed on XX/XX/XXXX, amount corresponding to a full walk-through appraisal. When complained about the type of appraisal performed causing undervaluation of the property and requesting to re-perform a full Walk-through appraisal, Wells Fargo consultant XXXX XXXX XXXX XXXX XXXX expressed on XX/XX/XXXX via email that " if only a desktop appraisal was completed, there indeed is a cost difference and it would be returned to you. '' and denied the option of completing and additional appraisal. 

XXXX XXXX XXXX Wells Fargo Mortgage Sale Supervisor, contacted us on XX/XX/XXXX via phone to inform us that there will not be any fee refund. 

It is our firm belief that Wells Fargo is profiting from over-charging excessive fees to customers and misleading them to believe fair appraisals ( full walk-trough ) are completed on properties, these unfair and deceptive practices caused us not only loosing the fee ( s ) charged but the possibility to complete a business transaction. 

Evidence of all communications is available upon 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 explanation
Consumer complaint received 2022-04-05
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cardinal financial through its agent XXXX XXXX bullied and intimidated my husband and I and tried to convince us to sign documents that were different from the disclosures we were given. When we did not sign the incorrect documents, cardinal unnnecessarily delayed our loan and XXXX XXXX called me and yelled at me telling me he did not appreciate me telling him it was illegal to send me documents for closing that were different from the disclosures I signed just the night before. XXXX XXXX was a rude and belligerent bully. I am XXXX and my husband required XXXX care for XXXX. And cardinal tried tricking us into signing the wrong documents. XXXX XXXX told me to sign the incorrect forms and I have XXXX days to cancel the loan if cardinal does not fix the loan documents. When I refused, XXXX XXXX got angry. 

The original loan closing was on XXXX XX/XX/2022. I approved the disclosures the night before. When the notary arrived at XXXX on the XXXX, the documents she had were different than the ones I signed. I called XXXX XXXX and he said just sign the documents because I have XXXX days to revoke the loan. I refused to sign incorrect documents. XXXX XXXX called me the next night very angry that I told him its against the law to change the disclosures and that there are laws to protect the elderly and XXXX from what XXXX XXXX tried to do to my husband and I. 

Despite XXXX XXXX claiming that the corrections to the closing documents were a quick and easy fix, it took Cardinal Financial until XXXX XXXX to complete my closing papers a second time. This time, cardinal scheduled the close, but the title company claimed they could not get the documents ready in time and they tried to reschedule the closing until later in the day. Because my husband is XXXX, the changing schedules put a lot of strain on him. 

The night before the second closing, XXXX XXXX asked me to go into the online account and approve the disclosures. There were XXXX sets of disclosures. XXXX of the disclosures were incorrect. I was confused so I emailed XXXX XXXX telling him the disclosures were still wrong. XXXX XXXX berated me for not being able to find the disclosures with the correct numbers. He asked me to sign all three sets of disclosures and I refused to sign the incorrect disclosures. He got angry and flippant with me. 

This was a horrible experience and I repeatedly felt bullied by XXXX XXXX to sign incorrect documents. We all make mistakes, but expecting elderly people to sign incorrect documents because loan processors make mistakes seems grossly unfair and I can not believe cardinal finanacial and XXXX XXXX are allowed to act this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: FIDELITY CAPITAL HOLDINGS, 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 status incorrect

Complaint:
This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Regional Management Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} Regional Finance XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have asked multiple times to remove an authorized user account you are reporting to the three bureaus. Each time you have granted my wish to have the account removed, how ever, as of this date, XX/XX/2020 it is still showing up on my credit reports. 

Please see that this gets remove asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, My name is XXXX XXXX please see the attached documentation enclosed pertaining to my Capital One account. I have made those payments and have attempted to make those payments to which I also called in to speak to a representative regarding these late payments. This issue and fault is on their end regardless of what I am trying to go for a home and these late payments are severely ruining my credit I need this fixed. I attempted to pay and never received any notices as well as had auto pay on while I was in the process of moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Finance/Personal XX/XX/2021 TransUnion

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 2022-04-06
Company: Experian Information Solutions 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:
XX/XX/XXXX : Experian finds that the Bankruptcy on my XXXX Report has been verified by the Courts of XXXX as they are the data furnishers. 

XX/XX/XXXX : Bankruptcy courts state the following : The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. 

XX/XX/XXXX : XXXX finds ; Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/XXXX For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX XX/XX/XXXX : Experian states the following : Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit XXXX XXXX XXXXXXXX.

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 2021-05-18
Company: ID Analytics, Inc.
State: UT
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:
I have requested a security freeze more than 5 times online, through the mail and I tried calling but was not successful. I have provided multiple forms of legal identification and Sage Stream still refused to freeze my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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 status incorrect

Complaint:
Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.

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 2021-11-30
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: AR
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 Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 2021-11-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
( LVNV FUNDING LLC ) at ( XXXX XXXX XXXX XXXX, SC XXXX ) has been calling Me, for the amount of {$3300.00}. 
After I ask multiple times to stop calling, I had to change my phone numbers XXXX times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was the holder of three business accounts with SunTrust Bank until today,XX/XX/XXXX2017. I was approached by a person purporting to be XXXX XXXX of XXXX XXXX XXXX, a XXXX-based shipbuilding concern. XXXX XXXX sent a cashiers ' check that I was to hold in escrow as the broker of a transaction. Another party to the transaction called me and informed me that the check was fraudulent. I reported the fraud immediately to the FBI, the Federal Reserve Board, the FDIC, and SunTrust Bank. The check never cleared nor was it credited to my account. On XX/XX/XXXX, 2017, SunTrust acted to close all three of my accounts with them and seized all of my money and my clients ' money. I reported this to five different departments and agents of SunTrust, all of whom informed me there was nothing I could do to recover my legitimate assets and my clients ' escrow funds. To reiterate, the fraudulent check never cleared, nor was any sum forwarded to my accounts. I reported the fraud promptly, yet SunTrust still chose to confiscate all of my assets. As a result, I will likely be sued by my clients, lose my business, lose my home, and possible be indicted for mismanagement of client funds, all caused directly and proximately by SunTrust 's theft of my assets. If there is any recourse that I can pursue, I would love to learn about it, because I have lost everything I have, as have my clients. The money contained within my accounts had nothing whatsoever to do with the fraudulent check, nor is any of that money the property of SunTrust Bank. 
If I can not resolve this issue immediately, I will lose my home, my business, and everything I own. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 had a HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made an agreement with BOA to settle the debt. The settlement agreement that was paid XXXX in XXXX of this year. I sent it to the attorney who was working to collect the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me, and BOA expressed that a payment was not made to them 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 explanation