BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing my credit report from EQUIFAX, I have noticed that the report shows 3 fraudulent credit inquires that I did not authorize.

1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX VISA CC Please investigate and remove these inquiries as quickly as possible.

I have included with this complaint copies of all required documentation.

Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: Reliable Credit Association, Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal actio
n.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2017-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow up complaint to a prior one filed last month where I expressed concern that Wells Fargo was intentionally delaying my modification, repeatedly asking for documentation previously sent claiming it was not received and not returning calls. The worst has happened. 

I have actively been working with an individual by the name of XXXX XXXX ( " Home Preservation Specialist '' ) who I have been in routine contact with ( and often hard to reach ) who reassured me on a three-way phone call with an underwriter everything has been received and being processed last month. He even told my son on a separate private call the same thing the very last week of XXXX. 

This month I received a letter dated XXXX/XXXX/17 stating my loan modification has been closed due to lack of documentation. How?! This could not be. No notification was ever sent that something else was missing and I was just on the phone being told my loan is being processed and all is good. I was also informed by XXXX XXXX, an " Executive Mortgage Specialist, '' who my internal complaint was escalated to that the bank is " looking for the best modification '' for me at the time. ALL LAST MONTH. 

After receiving the letter last weekend, my son immediately sent an email to Wells Fargo Mortgage " Executive Office '' again where a woman named XXXX XXXX is now supposedly looking into this with a resolution dated XXXX/XXXX/17. 

But in the midst of this, a man came by my home the other day inquiring about my house being foreclosed on to my surprise. I immediately informed my son who went online and saw that Wells Fargo sent a Notice of Default to my county in XXXX unbeknownst to me, and while I was in the middle of this modification, which is the beginning of foreclosing proceeding - a PRIME CASE OF DUAL TRACKING and intentional deception. 

Unfortunately Wells Fargo can not be trusted and this needs to be escalated outside of the bank ASAP. I am afraid of losing my home after over a year long worth of attempts to work with them and sending any and every thing asked. The deceiving, lying, unethical and perhaps illegal practices have left such a level uncertainty about where I will lay my head. I have been sending paperwork after paperwork for A YEAR. 

Wells Fargo is saying there is no sale date and that the foreclosure process did not begin until XXXX/XXXX/17 ( the date of the letter ). But it should not have began at all. I can not trust them when strangers are coming by asking me about my property being foreclosed on when I was under the impression my modification is being processed. 

Please investigate this. Foreclosure should not be taken place. I hear this is happening all too often. I have proof of the documentation sent.

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 monetary relief
Consumer complaint received 2022-05-04
Company: Nelnet, 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: Account status incorrect

Complaint:
I reached out to the creditor multiple times and never received a response regarding the late payments being reported by them on my credit report. The credit bureaus have validated the late payments but no one is providing me the validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, 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 a letter disputing 2 accounts as erroneous on XXXX and mailed them certified, return receipt requested. I received notice the dispute letter was received on XXXX. It is now XXXX and I have not received a response from Equifax or receive anything that I requested to verify these accounts. If they can not verify the information within the 30 day time period they must block and remove the items in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Mortgage Research Center, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved by Veterans United in XX/XX/XXXX for {$500000.00}. I asked my loan specialist via email and phone if there was anything else I needed to do. Provided all documentation including my job offer as requested. XXXX never disclosed to me about a rule that future income specified in an offer letter needs to have a start date within 60 days of the closing date. My start date is XX/XX/XXXX. I have received XXXX emails spread over about XXXX weeks from the Veterans XXXXnited Loan Specialist from XXXX through XXXX asking if I had a contracted offer yet. At no time were any additional requirements about future income disclosed to me. I entered into a contract on XX/XX/XXXX with a close date of XX/XX/XXXX. Upon submission of the contract to Veterans United in compliance with their instructions, I was notified by the loan specialist of a rule that they would need a closing date of XX/XX/XXXX to be able to count my future income. They also proceeded to tell me that since my offer is contingent upon me graduating college, I may not get approved. None of this was disclosed to me BEFORE signing a contract AND I was encouraged to pursue signing a contract by the loan specialist. Due to a {$3000.00} earnest money requirement and a time crunch on the inspection requirements, I had spent around {$850.00} on inspections already and had {$3000.00} at risk if I back out of the contract that I sent the same day upon discovery of the rule after checking with my broker as to whether I should or not with this rule. Upon contacting XXXX XXXX, he proceeded to treat me in a patronizing manner and lie to me about where the requirement comes from, lie to me that they had sent my loan up to higher and it was rejected ( he would later contradict himself in the same phone call ), and made my swearing at him the center of the conversation when I finally lost my composure due to him clearly lying and being patronizing. No real solution was offered to me, instead he made a point to check with the VA of the rule, ( I have online and still see no such rule as well as another lender telling my broker the rule doesn't exist on the VA end ). The only focus of the conversation was XXXX XXXX trying to get me to apologize, patronize me, and try to make the situation my fault, despite he and his loan team having a clear omission of substantial facts to me, omission that caused me to enter into a 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 2016-08-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to CFPB complaint # : XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the accounts reporting on my XXXX consumer report, XXXX B which is a copy of their response to CFPB complaint # : XXXX, and a pdf of an XXXX report that will be labelled as Exhibit C when filing for litigation in Federal Court to this complaint. 

CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period. '' I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant XXXX XXXX XXXX ( XXXX ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 

CREDITORS BUREAU ASSOCIATES stated that " Attached is the documentation of the statement from the original creditor as well as a breakdown of charges and credits. '' As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 

The Creditors Bureau Associates also stated, " The balances have been validated with the original creditor as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the XXXX and the XXXX by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
This ground for removal they aslo violated my rights under 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 withou my written instructions. Accounts listed below XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Last payment XX/XX/2017 Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe information is inaccurate.

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 2015-08-28
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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:
THIS IS MY LAST AND FINAL NOTICE I AM WRITING BEFORE REACHING OUT TO MY ATTORNEY GENERAL. YOU HAVE BEEN REPORTING FALSE INFORMATION ON MY BEHALF. I HAVE BEEN DISPUTING XXXX  XXXX XXXX XXXX, YOU RESPONSE ON XX/XX/2022 ALWAYS BEEN ITS NOT LISTED COMPLAINT NR XXXX. I PULLED MY CREDIT TODAY AND IS STILL REPORTING AND IT WAS UPDATED YESTERDAY XX/XX/2022. CAN YOU EXPLAIN TO ME HOW ARE YOU INVESTIGATING? DO NOT CONFUSE MY NAME WITH ANOTHER NAME. YOUR RECKLESS, WILFULL, WANTON NEGLIGENT INVESTIGATION IS DAMAGING MY CREDIT. DEFARMATION OF CHARACTER DELETE IT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Sent certified letter letter on XX/XX/XXXX with payment via detached coupon. On XX/XX/XXXX spoke with agent on a recorded line. I read the letter to the agent and ask for a formal letter of response in order to verify that the loan would be closed and if there was any additional amount owed that we may be able to address that. Since that call I received no notice of debt. 
On XX/XX/XXXX my vehicle was repossessed. The tow company trespassed onto my property to take the vehicle. I did not receive notice from anybody regarding who or why my vehicle was repossessed until XX/XX/XXXX. I sent an email to the repo company on XX/XX/XXXX and file the police report. On XX/XX/XXXX the repo company sent me an email in response to my XX/XX/XXXX and told me to reach out to the bank lien holder, Westlake financial, in order to resolve this matter. Call Westlake financial on XX/XX/XXXX ask to speak to someone and was told that I had to pay and that they don't respond to letters.

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 2022-05-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT : # XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation