BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.

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 2017-10-16
Company: EQUIFAX, 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 information incorrect

Complaint:
1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX year old XXXX XXXX veteran who was hospitalized in XX/XX/XXXX. I was also laid off work, and needed to get caught up on my rent. I contacted Net Credit to obtain a loan for {$5500.00} in XX/XX/XXXX. 

I was initially made aware of the interest rate as being a little over 16 % APR. I've been making my payments on time for well over a year, and have paid {$5800.00} to date. 

I contacted Net Credit on XX/XX/XXXX to ask about the status of paying off my account, and was informed that I am having to pay over {$11000.00} to borrow {$5400.00}, making the total go well into the {$16000.00} range until XX/XX/XXXX. 
A representative informed me toward the end of my call ( after hearing my distraught ) that I could close out my account that day if I paid {$4900.00}. Also, I was informed my interest is 57.81 % My account number is XXXX, and my name on the loan is XXXX XXXX ( I had a name change after divorce. ) I feel that I was deceived with a predatory loan, as I was not made aware in plain view, up front, of the amount I would have to pay to borrow money. Had I have known that I was going to be forced to pay three times the amount I was trying to borrow, I would have sought assistance elsewhere. 

I am working in law enforcement now, and am considering filing bankruptcy to resolve this issue. I would really appreciate some help with this, and I can prove that I have paid more than I have borrowed. I do not want this company to do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-21
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: Report provided to employer without your written authorization

Complaint:
At this time XXXX XXXX heath services and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to XXXX  XXXX  XXXX  both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days Experian and with PROOF of XXXX XXXX XXXX has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.

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 2022-05-03
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2022-05-03
Company: Experian Information Solutions 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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not authorize the following inquires on my credit report, they do not belong to me. I disputed this with Transunion and have not heard back from them.

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX early in the morning, I notified Bank of America that my car had been broken into and my wallet have been stolen. The theft happened at dawn at the gym I attend and as soon as I was done with the Police and returned home I reported to BOA that i have been a victim of identity theft. I requested them to cancel my ATM card and block access to my checking account. The very next day, the thieves were given access to my full account balance and were able to withdraw and overdraft my bank account. BOA failed with their security measures. The thieves use my FL Drivers License and possibly my ATM card. I know this because I talked to the branch manager of the location where the thief made her appearance. Over the course of the past months, I have had numerous conversations over the phone requesting information on my case. I was told than an analyst investigating the case will call me and that calll has never happened. After receiving no response, on XXXX XXXX I submitted via fax a formal letter requesting BOA to explain how they failed to secure my account, implement extra security measures in my new account and make the funds they have frozen available to us, the account holders. I attached to this request the Police Report from XXXX XXXX, proof of my identity and a copy of the Notice to Furnishers of Information provided by the FTC when I file my identity theft report. BOA only responded until XXXX XXXX by email. The notified me that the claim will not be honored and that the temporary credit issued on XXXX/XXXX/XXXX of {$1800.00} will be reversed on XXXX/XXXX/XXXX. I called to ask about all the documentation I submitted on XXXX the XXXX but the documents were nowhere to be found on the case. I immediately resubmitted the documents via fax and certified-signature required mail. I requested to respond within 5 business days. XXXX XXXX and again today, XXXX XXXX I called to check on the status of the claim and the received documents but once again BOA did not have them on record. I had to send them again today ... now for the 6th time. I was told again, that the analyst will call me. As of today is almost 6 months after my identity and money has been stolen and BOA has still to provide an explanation on how they failed to secure my account, failed to follow up on the investigation, failed to follow up on the documents I 've provided and failed to give me a resolution so I can put this behind and move on. BOA is consuming a lot of my time. I am hours away from them taking out funds from my bank account again and zero answers.

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 2015-03-31
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 2022-01-21
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had XXXX back in XX/XX/2021 and I was out of work for 2 weeks because I was so XXXX. I was concerned about making that months payment ( since I did not have sick time left and my company did not offer any XXXX payments for being out XXXX ), so I called Flagstar bank and asked about a forbearance. I only wanted to skip that one months payment but they told me that the standard forbearance is 3 months but I could call anytime to start making payments. So far I have called 3 times to start making my payments and every time I am told that the paperwork is taking longer than expected to complete and that I can't continue making payments until I get this paperwork. Meanwhile, my past payment balance is up to {$15000.00} and there is no way I can come up with that amount all at once. I want to be able to at least make my regular payments while this so-called paperwork is being worked out to settle the past due amount. The website shows that this has been processing since XXXX. I am convinced they are doing this on purpose so that I lose the house. Please help!

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 an 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 2021-03-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, Equifax or XXXX. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Reported by XXXX, Transunion, and XXXX, I have numerous old student loans that should have been removed from account going back to XXXX I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the third time I have complained about this account on my credit Report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following ac-count they are not accurate : XXXX XXXX XXXX  USA NA # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I in-tend to pursue litigation in accordance with the FCRA to seek re-lief and recover all monetary damages that I may be entitled to un-der Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

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