BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Information belongs to someone else

Complaint:
THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I forwarded to TransUnion Consumer Relations. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents

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 2023-06-18
Company: EQUIFAX, INC.
State: NJ
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, 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 2018-12-06
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. 

Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection

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 2021-01-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Had a savings account at HSBC bank got a letter that said refer a friend and receive {$500.00} if you open a checking account with your savings. Went to the bank to open one. The bank associate told me that she was not sure how to open the account so I would get the refer a friend money and the person who could help me was not in that day. She told me the best thing to do is open the account on line. So I went home and opened the account online because she could not do it at the bank. I went back to the bank with the account opened and the other person XXXX who was not there to help me the day before took care of the refer a friend. I waited months and got nothing so I called and they told me because I opened it up online I was not entitled to the reference money that it had to be opened at the bank. Because the bank associate gave me wrong information and did not do her job right I lost out and had a checking account I did not need or use. I deposited my 1st gov. stimulus check into the account. I asked to receive statements by mail but never got them. months later I went online to check my accounts and my checking account had minus XXXX. They had taken {$50.00} a month for 6 months out of my account and left me with a minus XXXX. After a few phone calls I got back 3 months of fees but I am still out {$150.00}. I was not told about any fees and was never notified that my account was in the minus. I really haven't been using the account at all and did not need it I only did it for the referral, now not only did I not get the {$500.00} referral money they also drained my account. I am XXXX years old and live on social security and savings and {$150.00} is a lot to me not to mention the {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortage company will not stop ignoring me. 
Was forced into a bankrupcty that should never have happened in XXXX due to false billing. 
They refuse to answer any and all questions relating to the bankruptcy. But I am not calling to discuss the bankruptcy. 

I want to know why they refuse to pay my property insurance. It is incluoded in the monthly mortage payments. 

My home insurance defaulted and I had to pay it out of pocket. I cant ask them why since they refuse to answer any questions saying I need a 3rd party lawyer to contact them. 

Again I am not calling them in regards to the bankruptcy and they keep hiding behind that excuse. 
I am calling about the mortgage. 

The bankruptcy lawyers do nothing or s ay they dont believe me. 

I have the phone calls on recording leading up to my insuarnce being defualted due to the mortgage lender. 

Been ignoring me on this situation since XX/XX/XXXX. 

This is one of dozens of examples of harrassment Ive had to go through due to the mortageg lender either lying about information or simply black listing me and refusing to answer any questions due to there own actions, Mortage company also stated they can remove any money owed to me every 90 to 60 days. 
Why would they even say that? 
Its there responsiblility to pay the home insurance. 

They are trying to sabotage my home loan. 

The forced bankruptcy was due to them lying as well and false billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I paid my final bill directly to XXXX in XX/XX/2017. I checked my credit report recently and was surprised to see XXXX XXXX reporting a " Paid/Closed '' collections account citing XXXX as the original creditor. I was never contacted by XXXX XXXX regarding this debt. By law, they had to notify me that they were collecting the debt before they could take any action, including reporting the account to the credit bureaus. I have never received any communication from Convergent, neither by mail, nor by phone. The account was paid in full to the original creditor. Moreover, I was never contacted by XXXX XXXX informing me they were collecting the debt. Therefore, XXXX XXXX must stop all collection activity on this account. This includes, but is not limited to, negative reporting to the credit bureaus.

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 2021-02-25
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle, a loan serviced in Illinois is really giving me a runaround on my mortgage. They missed paying town taxes ( thousands ) and after alerting them over a month ago they have taken no action to resolve. I am promised a call back and they never do. 
Now, I received a letter that they are moving my loan to another services with less than one week notice. I feel like I am being SCAMMED, how can a business function like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: SC
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:
1. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right 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 2022-08-08
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX contacted XXXX, EXPERIAN, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX XXXXXXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

EXPERIAN IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL 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 non-monetary relief
Consumer complaint received 2018-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wells Fargo & Company continues to send me letters despite the fact that I have told them to stop contacting me on over 5 separate occasions. Wells Fargo & Company continues to harass me with letters, phone calls, and aggressive collection tactics. In fact, Wells Fargo & Company also submitted false information to my credit reports, including but not limited to, submitting false address information of myself, as a retaliation method so that it would be difficult if not impossible for me to open an account at another financial institutions because my true address would not pass XXXX/XXXX  checks the other financial institution would conduct by comparing the address I provided with the false address Wells Fargo & Company submitted to 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 2023-03-19
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Affirm Holdings, Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Affirm/shop pay REFUSE to close my accounts on their end even though THEY HAVE BEEN PAID!! When I first called with this issue, I was told I had to wait until payment cleared. Well, AFFIRM PER THEIR OWN ADMISSION LETTER STATE THAT ACOCUNT HAS BEEN PAID IN FULL AND YET REFUSES TO CLOSE MY SHOP PAY ACCOUNT ON THIER END!!

Every time I call, NO ONE can speak decent english, including the supervisors and NO ONE can close my account even though I have REPEATEDLY TOLD THEM TO!! They " claim '' the system won't let them do so.

They " claim '' the case was escalated, but the last time they claimed that in one of my cases, it never was! 

I WANT MY ACCOUNTS CLOSED NOW AND PROOF THAT IT HAS BEEN DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get emails every two weeks asking me to pay for a debt for a Power Company in Texas. I've never heard of the company or lived in Texas. I have asked 3 times to be removed, per their process and they have no complied.

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 2018-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by Wells Fargo regarding my loan which is less than one year old claiming they made a mistake on the taxes on my loan. Then I was told it was a property tax increase. I had opened a fixed loan and my payment was to remain at XXXX for 30 years. They claimed it was an escrow shortage now i am being asked to pay well over XXXX dollars. I am on a fixed income and this is not what I expected with a 30 year fixed FHA. 
Do I have the right to stick with the original contract.

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 2017-09-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My issue does not have to do with an auto loan, but I did n't seemy issue as a choice. It has to do with a faulty car part. Not sure if you all deal with cases like mine, but I do n't know where else to turn for help. 

Wed XX/XX/XXXX I brought my car to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, because my XXXX XXXX XXXX which I bought in XX/XX/XXXX, was having difficulties starting. My XXXX XXXX XXXX has 58k miles on it currently. 

It turns out my starter is going out and they told me it would cost about {$700.00} to fix it. I was very upset, of course, because there is no way my starter should be giving me problems at this point with 58k miles on the car. 

On the same day, Wed, XX/XX/XXXX, XXXX XXXX 's, manager, XXXX XXXX, contacts American Honda and because this is a " known '' issue -- - I 'm informed American Honda offered to split the repair cost with me 60 % Honda and 40 % me. When I ask if I can speak to the contact person or decision maker at American Honda, XXXX XXXX tells me he " ... is prohibited from giving me American Honda 's  number. '' XXXX XXXX advised me to find the number myself in my owner 's manual. Needless to say that should have been an indication as to Honda 's helpfulness in this matter. 

When I called American Honda on Monday, XX/XX/XXXX, I protested the 60 % 40 % split, because I do not believe I should be on the hook for a part that is " known '' to be faulty. I was told by an American Honda representative or " case manager '' XXXX to take it or leave it. That my car was out of warranty and that this was a limited time 30 day courtesy offer extended to me, because I was a " loyal '' customer and the issue with the starter is a " known '' issue. When I asked for an email so I could correspond with American Honda in writing, I was told by XXXX that they would only speak to me on the phone. Even if I wrote a letter, my " case manager '' would only call me back and never return my letter in writing. 

I looked into this starter problem and apparently the starter is going out on a lot of XXXX XXXX  and XXXX XXXX, XXXX, XXXX models. There is also a class action law suit  forming on the east coast, law firm is XXXX XXXX XXXX XXXX. 

My question is do I have any other recourse? Can the CFPB put any pressure on American Honda to correct their problem and not hold consumers accountable for their faulty part? American Honda are denying culpability and hiding behind the fact that the vehicles are out of warranty as their excuse for not covering the entire cost of the repair. Is that legal? 

My case reference number with American Honda is # XXXX. American Honda 's phone number is XXXX ext. XXXX. Address : XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
THIS COMPANY IS NOT LICENSED IN FLORIDA FOR COLLECTIONS AND IS TRYING TO COLLECT A FALSE MEDICAL DEBT FROM ME THEY ARE NOT LICENSED IN FLORIDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have and am not liable with any debt with XXXX XXXXXX/XX/XXXXXXXX. I do not have any contract nor do I owe any debt to LVNV FUNDING LLC. Only the original creditor which is me can verify a debt and the debt is not mine. Not only that LVNV FUNDING LLC is in violation of the fdcpa. Here are the statutes that they are in violation of. 

1. 15usc1692d ( 1 ) utilzing the consumer reporting agencies to harm my reputation. By listing this collection on my report, they violated my reputation. 

Infringed on my right to privacy as the natural person by listing a collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019, I received a confirmation from XXXX that the refund for {$350.00} was completed. On XX/XX/XXXX I was told by Bank of America that they had decided to shut down my bank account which belong to my company. I received a check with the balance, however the {$350.00} refund which I was supposed to receive was never sent back to me. I have spoken to bank of america many times and I even went to the bank to speak to a representative. I have put a total of 8 hours into this case and the bank is claiming they dont have the {$350.00}. XXXX is saying that they issued the refund and that once they refund money, they do not have the ability to see where the funds went. In my opinion the funds were originally at Bank of America and once the refund is issued then the funds must go back to where they were originally. The {$350.00} are missing and Bank of America is saying they dont have the funds. XXXX is saying they dont have the funds neither.

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