BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capital XXXX auto XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Ally Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, All Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, TD auto financial XX/XX/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 2022-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When I was a child my mother gave my grandmother roughly XXXX dollars to put in the bank for me. My grandma took me to wells Fargo, in XXXX XXXX, CA. And opened a trustee account in both of our names. Soon after that she died. I want to close the account with all of its accured interest but wells Fargo keeps giving me the run around.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, TN XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.

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 2022-04-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was with XXXX XXXX XXXX XXXX I left in good standings and my ex wife didnt which they made me pay on her bill illegally. I am total XXXX XXXX XXXX XXXX XXXX  which they took advantage of my situation. The person at XXXX XXXX XXXXXXXX XXXX of XXXX XXXX XXXX He called them and set up for me to make payments on XXXX $ I dont owe. The dept collection for XXXX XXXX is Conserve dept collectors Which it messed my Credit card up right now as they investigate XXXX days XXXX XXXX said this would help my credit, and on a recorded line he said I will call when I get home explaining about my wife and I just wan na do the right thing thats a lie Why? Because I would never pay someone bill when I only get low income. 
Conserve took my card off but I made a {$89.00} and a {$100.00} payment already FRAUD is what it is I want to sue them for my damages and whatever else come with it XXXX XXXX if unavailable leave message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure what kind of service I received requested information and never obtain it. Asked agency to provide Original contract with my signature.

Full history from the original creditor Name and address of the original creditor Contract that the have been assign to collect Or proff of debit purchase. Never received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Expedite Financial, 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:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}

Company response to consumer: Untimely response
Consumer complaint received 2022-04-23
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with Guild Mortgage and have for several years. I do almost all my account servicing through the company 's online account portal. Last XXXX, XXXX, my online account access ceased to recognize me. This happened once before for less than a month before the online access was restored. I have easily spent over 40 hours of my time trying to get this resolved. I have called and written to customer service, escalations, the local office and the customer service point person XXXX XXXX, stopped responding to the status of the resolution XX/XX/XXXX. He did tell me quite a long time ago that this issue is a 'known problem '' with a few accounts. For the first six months I had no account info at all as I opted for paperless setting. I do receive mail statements but I must have full, reliable, 24 hour on line access to my mortgage account. I have reported this the the area XXXX  last month and they have not received a response from the company. I do not know what else to do. The staff at Guild are always professional and courteous but my serious problem does not get fixed. I am hoping that by escalating the complaint to 3rd party enforcement agencies, that I will finally get back my full on line account access for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I told Wells Fargo ( my bank of 22 years ) that I got scammed by someone for tickets that were fake, and they never answered me when I requested my money bank. Wells Fargo sent a generic letter that they could not refund my {$210.00} dollars, even though I had proof of the scam from the XXXX convo, and the person on XXXX deactivated their account after they got my money!!! This is very disappointing that Wells Fargo will not help me, nor punish the scammers. I demand my money back!

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 2022-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX 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 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 explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I XXXX someone for XXXX  tickets that were being sold on a supposed verified site. As soon as I sent money user disappeared, immediately called my back on XXXX XXXX stated their is nothing that they can do. Refused to help in anyway. It was a total of 4 tickets for a total amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: MS
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:
Hard inquiries on my account that I did not do.

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 2022-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow Mismanagement : In XX/XX/XXXX I received a statement from my loan servicer Citizen 's Bank that I had an escrow shortage of {$150.00}. I made my XXXX payment and sent a separate check for the escrow shortage of the {$150.00}. Sometime in XXXX i was made aware that my property taxes for the subject property were delinquent and assessed late fees. I contact Citizens and spent hours on with a call center where the staff had no understanding of escrows or taxes. We did determine that Citizens paid both too much and to the wrong property. I could not get any further with the call center and I had to contact the mortgage broker who wrote the loan, and they had a contact state side and asked for help. I was contacted by the office of the president of Citizens bank, XXXX XXXX to fix this problem and to correct addressing errors on the part of Citizens. Today I called and my taxes have not been paid, but I see a new escrow statement raising my payment yet again, twice since I bought the property in XX/XX/XXXX. There should have never been an escrow shortage in XXXX of XXXX since the amount that Citizens was showing for my taxes was incorrect and too high. There should be no escrow shortage in XX/XX/XXXX since I paid an extra {$150.00} already and the taxes are still showing too much. Additionally, my taxes have not been paid, and Citizens is trying to charge me the late fees. I have made all my payments on time. I have had many loan servicers over the years and Citizens is by far the most incompetent. These people should not be in charge of anyone 's money. They are ineffective, incompetent, they avoid speaking to you and pawn you off on a call center is a corner of the world where people don't even own homes, much less understand about taxes and escrows. They can't even get the subject property address correct! There needs to be a complete forensic audit of my escrow account and my payment adjusted correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible! 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! Base on, 15 U.S. Code 1666 ( a ) Written notice
by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!

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 2022-08-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was with XXXX mortgage company since XXXX and I know that I had a majority of my equity missing, and a great deal of my equity was taken during the modification process, I was charged for payments, 20 all the time, the payments that I made were not included in the modification processes and I was overcharged on the fees in numerous occasions, I was not aware of the lawsuit against Owen, but I know I have been subjected to equity loss. I went from XXXX to XXXX XXXX during the period I was with them about 8 years and I went through 3 modifications. I went through XXXX worth of equity during that time. I would like to know if I can get any help in this matter. They made a lot of mistakes in all of my modifications. 

Presently I have issues with PHH Mortgage resolving the issue about my payment. They overcharged me for over 12 months. I became a XXXX XXXX veteran in XXXX and informed phh mortgage. I was payin XXXX $ and then after 12 months it was refused to XXXX. They would never explain why despite writing rhe cfpb and calling the relationship manager. I would like an cplanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
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:
I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached below.

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